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Merrill Lynch
CREDIT CARD ALTERNATIVES

Merrill Lynch is the wealth management division of the multinational banking and financial services corporation, Bank of America. Merrill Lynch was founded in 1914 and is headquartered in New York City. Merrill Lynch currently offers a few Merrill Lynch credit card options including the Visa Signature card along with the Merrill Rewards Visa for businesses. Both come with multiple exclusive cardholder benefits, along with access to the Merrill Lynch Rewards program.
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UNFORTUNATELY, WE DO NOT CURRENTLY OFFER ANY ONLINE APPLICATIONS FOR THIS BANK.

  • Best Cards
  • Excellent / Good Credit
  • Fair / Bad Credit
  • Limited/No Credit
Viewing 1 - 2 of 3

our choice

on First Tech's secure website

Rating 4.5

Good to Excellent Credit

REWARDS BONUS

  • Earn 10,000 bonus reward points after $2,000 in purchases made within 60 days of account opening

REWARDS

  • Earn 1 point for every $1 spent on everyday purchases

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 13.24% - 18.00% Variable APR

ANNUAL FEE

  • None
This card is no longer issued

Rating 3.0

Excellent/Good Credit

REWARDS BONUS

  • No bonus offer258

REWARDS

  • 1 point is awarded for every $1 spent on qualifying purchases258

INTRO APR ON PURCHASES

  • N/A258

REGULAR APR

  • 12.99%258

ANNUAL FEE

  • $0258

Rating 3.9

Excellent, Good, Fair, Average Credit

REWARDS BONUS

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**

REWARDS

  • 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories , 1% cash back on everything else (Target and Walmart earn 1%)

INTRO APR ON PURCHASES

  • N/A

REGULAR APR

  • 14.99% - 29.99%

ANNUAL FEE

  • $0
Viewing 1 - 2 of 3

our choice

on First Tech's secure website

Rating 4.5

Good to Excellent Credit

REWARDS BONUS

  • Earn 10,000 bonus reward points after $2,000 in purchases made within 60 days of account opening

REWARDS

  • Earn 1 point for every $1 spent on everyday purchases

ANNUAL FEE

  • None
on First Tech's secure website

Rating 4.5

Good to Excellent Credit

REWARDS BONUS

  • Earn 20,000 bonus Rewards Points when you spend $3,000 within 60 days of opening your new card

REWARDS

  • Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases

ANNUAL FEE

  • None

Rating 4.1

Excellent/Good Credit

REWARDS BONUS

  • Receive a $200 statement credit when you spend $3,000 in the first 3 months.

REWARDS

  • Earn 5 Rocket Rewards points for every dollar spent. There’s no limit on how many points you can earn!

ANNUAL FEE

  • $95 - waived for customers who have an existing, serviced mortgage with Rocket Mortgage
Viewing 1 - 2 of 3

our choice

CREDIT CHECK

  • Yes

INSTANT RESPONSE

  • Yes

MINIMUM LOAN AMOUNT

  • $1,000

CREDIT CHECK

  • No

INSTANT RESPONSE

  • Yes

MINIMUM LOAN AMOUNT

  • See terms

CREDIT CHECK

  • No

INSTANT RESPONSE

  • Yes

MINIMUM LOAN AMOUNT

  • See terms
Viewing 1 - 2 of 3

our choice

CREDIT CHECK

  • No

INSTANT RESPONSE

  • Yes

MINIMUM LOAN AMOUNT

  • See terms

CREDIT CHECK

  • Yes

INSTANT RESPONSE

  • Yes

MINIMUM LOAN AMOUNT

  • $1,000

Rating 4.1

Any Credit

KEY FEATURE

  • Unlock $1,000 to shop, build credit, and pay over time with your paycheck.

CREDIT REPORTING

  • Yes

ANNUAL FEE

  • $0

other alternatives TO MERRILL LYNCH
CREDIT CARDS

our choice

Rating 4.5

  • Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
  • Earn 1 point for every $1 spent on everyday purchases
  • No annual fee or balance transfer fee
  • Points never expire while account is open and in good standing
  • Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards

our choice

No
Annual Fee & Foreign Transaction Fee
Annual Fee
None
Foreign Transaction Fee
0%
Late Payment Fee
Up to $25.00
10,000
Bonus
Points
Bonus Offer
Earn 10,000 bonus reward points after $2,000 in purchases made within 60 days of account opening
Earn More
on Your
Daily Spending
Rewards on everyday purchases
Earn 1 point for every $1 spent on everyday purchases
Max. Rewards
Earn 1 point for every $1 spent on everyday purchases
Rewards expiration
Points never expire while account is open and in good standing

our choice

Rating 4.5

  • Earn 20,000 bonus Rewards Points when you spend $3,000 in the first 60 days
  • Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases
  • Redeem Reward Points for travel, merchandise, events, experiences, gift cards and cash
  • No points maximum and your points never expire

our choice

20,000
Bonus
Points
Bonus Offer
Earn 20,000 bonus Rewards Points when you spend $3,000 within 60 days of opening your new card
Earn More
on Your
Daily Spending
Rewards on everyday purchases
1 Reward Point for every $1 spent on all other purchases
Max. Rewards
Earn 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications
Rewards expiration
Your points never expire
No
Annual Fee & Foreign Transaction Fee
Annual Fee
None
Foreign Transaction Fee
0%
Late Payment Fee
Up to $25.00

our choice

Rating 4.8

  • See Your Rate In Minutes
  • Get Your Free Experian® Credit Report
  • Compare Low Interest Personal Loans Up To $100,000. Get An Online Quote In Minutes!
  • Get Matched To Personal Loan Offers Based On Your FICO® Score Even If You Have Bad Credit.

our choice

Loans up to
$100,000
Minimum Loan Amount
$1,000
Maximum Loan Amount
$100,000
Term of Loan
See terms
Instant Response
Credit Recommended
Any Credit
Minimum Age of a Borrower
18
Employment Required
Yes
Reporting
to the Major Consumer Reporting Agencies
Credit Check
Yes
Instant Response
Yes
Credit Agencies Report
Yes

our choice

Rating 5.0

  • No credit check
  • 0% APR and No hidden fees
  • Open your account in minutes
  • Bank-level security keeps your data safe
  • A $750 revolving line of credit to use for Kikoff purchases
  • Build payment history that gets reported to Equifax and Experian

our choice

No Credit Check
Credit Check
No
Instant Response
Yes
Credit Agencies Report
Yes
Loans up to
$750
Minimum Loan Amount
See terms
Maximum Loan Amount
$750
Term of Loan
See terms
Instant Response
Credit Recommended
Any Credit
Minimum Age of a Borrower
18
Employment Required
Yes

our choice

Rating 3.8

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
  • No annual fee
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere

our choice

$200
Cash Back Bonus
Bonus Offer
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
Up to
3%
Cash Back
Max. Rewards
3% cash back on Home, Auto and Health Categories
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
Up to 3%
Late Payment Fee
$0

our choice

Rating 3.8

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere

our choice

$200
Cash Back Bonus
Bonus Offer
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
Up to
1.5%
Cash Back
Max. Rewards
Earn 1.5% unlimited cash back on card purchases every time you make a payment
$0
Annual Fee
Annual Fee
$0
Foreign Transaction Fee
Up to 3%
Late Payment Fee
$0

card offers FROM
MERRILL LYNCH

Both of these credit card options are Visa cards, which means they can be used anywhere Visa cards are accepted. These credit cards are designed to meet the different needs of individuals. The Merrill Visa Signature card helps cardholders manage their spending, reach financial goals and meet liquidity needs. The Merrill Rewards for business is made for clients that run a small business and are looking to manage expenses.

The Merrill Lynch Visa Signature card comes with premium benefits along with rewards. Cardholders earn one point for every dollar they spend on their card. Cardholders can begin earning travel benefits once they earn at least 25,000 points. Cardholders can earn gift cards once they have 2,750 points. Additional benefits of this card include no foreign transaction fees along with lost luggage reimbursement. Cardholders also receive fraud monitoring and zero liability for fraudulent purchases.

The Merrill Rewards for business card comes with premium benefits as well, along with Flexible Rewards options. With the business card, cardholders earn one point for every dollar spent. Points can be redeemed for 1.5% cashback, Exclusive travel upgrades or gift cards. Additional benefits of this card include personalized service options such as business travel planning and 24/7 customer service.

Both of these credit card options come with unique benefits along with access to Merrill Lynch's exclusive rewards program. In addition, these credit cards are both Visas, which allow you to use it in a wide range of places. The benefits and rewards that come with this card would be most beneficial to someone who is an avid traveler. If you're not much of a traveler or neither of these credit cards are for you, then you should probably compare other offers.

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