MERRILL+® Visa® Credit Card

Card issued by FIA Card Services, NA No annual fee and a low competitive 9.99% annual percentage rate (APR). Anytime, Anywhere, Any AirlineSM -- air rewards starting at 25,000 points, with no blackout dates. Earn 1 point for every $1 spent on net retail purchases and accrue unlimited Merrill PointsSM. Credit line may be as high as $250,000. Zero liability protection and early fraud warning. CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 1.90% for Balance Transfers* 12 months* 9.99%* None* Yes* Good Credit*

Review: MERRILL+® Visa® Credit Card

Type of credit needed: Good Credit

Type of card: Rewards

Issued by: FIA Card Services, NA

Overview: The MERRILL+ Visa Credit Card features no annual fee, high spending limits, a very low introductory APR on balance transfers and cash advance checks, and very reasonable interest rates after the introductory term. Standard benefits like purchase warranty and travel accident insurance are provided to all cardholders. However, those who use their card more frequently are rewarded with extra benefits when certain spending levels are reached. The rewards program allows cardholders to accumulate points when they make purchases with their card, and extra points are awarded if a Merrill cruise is paid for with the card. Points do eventually expire, but there are no limits on the number of points that may be earned. They can be redeemed for a wide variety of rewards, including gift certificates, merchandise, and travel.

Pro and cons of the card:

Pros:

• No annual fee
• High spending limits
• Low introductory APR on cash advance checks and balance transfers
• Reasonable interest rates
• Benefits like purchase warranty are included
• Additional benefits offered when pre-set spending levels are reached
• Earn points for all card purchases
• Earn extra points with the purchase of a Merrill cruise
• No point limits
• Redeem points for travel, hotel stays, and more

Cons:

• Points have an expiration date
• Introductory APR does not apply to purchases
• Customers must reach certain spending levels to access all card benefits

Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

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* See the online Beyondrewards.com (www.beyond rewards.com) credit card application for details about terms and conditions and offers.