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Total Merrill(SM) Cash Back Visa® Card

Basic Credit Card Information

Introductory Rate:

1.9% APR for 12 Months

Rate Applied To:

Balance Transfers

Additional Details:

The introductory rate is also available for cash advance checks.

Regular APR:

9.99%

Variable or Fixed:

Fixed

Annual Fee:

Annual Fee Details:

None

Application Fee:

n/app

Participation Fee:

n/app

Reload Fee:

n/app

Inactive Fee:

n/app

Total First Year Fees:

n/app

Types Of Rewards:

Rebate

Lowest Possible Rebate:

Highest Possible Rebate:

Additional Rebates:

None

Rebate Details:

Earn one cash back reward credit for every dollar spent on all purchases. Cardholders have the option of receiving a cash reward check or having reward credits automatically deposited into a Merrill Lynch Cash Management Account® (CMA®) or Beyond Banking® account after earning a minimum of 5,000 reward credits.

Apply for your Total Merrill(SM) Cash Back Visa® Card card today!

Credit Card Review

The Total Merrill(SM) Cash Back Visa® Card, issued by Bank of America, is designed for those with very good credit who plan to take advantage of the cash reward program offered through Merrill Lynch.

Through the reward program, cardholders earn one cash back reward credit for every dollar spent on all purchases. Cardholders have the option of receiving a cash reward check or having reward credits automatically deposited into a Merrill Lynch Cash Management Account® (CMA®) or Beyond Banking® account after earning a minimum of 5,000 reward credits. There is no limit on the number of reward credits earned; however, checks expire 90 days from the date of issuance.

The card has no annual fee and offers the same very low fixed interest rate for both purchases and cash advances. There is also a low introductory rate for balance transfers and cash advances for twelve months.

Therefore, those who may occasionally carry a balance (due to the very low interest rate) and plan to take advantage of the reward program will benefit most from what the Total Merrill(SM) Cash Back Visa® Card has to offer.

This review was updated 2008-05-02T00:00:00.0000000-07:00

Reward Program Information

Type Of Rewards:	Rebate
Reward Program Optional:	No
Optional programs may have a fee. See Terms and Conditions for details.

For Cards with Cash Back Incentives

Lowest Possible Rebate:	1%
Highest Possible Rebate:	1%
Additional Rebates:	None
Rebate Details:	Earn one cash back reward credit for every dollar spent on all purchases. Cardholders have the option of receiving a cash reward check or having reward credits automatically deposited into a Merrill Lynch Cash Management Account® (CMA®) or Beyond Banking® account after earning a minimum of 5,000 reward credits.

For Cards with Point Incentives

Points Per Dollar Spent:	n/app
Additional Points:	n/app
Point Details:	n/app

For Cards with Airline Incentives

Miles Per Dollar Spent:	n/app
Additional Miles:	n/app
Program Details:	n/app

Rewards Expiration Period: Rebate checks expire 90 days after they are issued.

Annual Limit: None

Additional Credit Card Perks

See website for additional benefits.

Special Notations about the Total Merrill(SM) Cash Back Visa® Card

**After April 19, 2008, the APR for cash advances will be 19.99%. See website for complete terms and conditions of card usage and application disclosure.

Always read the credit card's Terms and Conditions before applying!

Creadit Card Issuers

Credit Card Features

Additional Information

Total Merrill(SM) Cash Back Visa® Card