- 1.99% APR on balance transfers for 12 months
- 9.99% regular APR (fixed)
- Credit line as high as $250,000
- 1% cash back on almost all purchases
If you have very good credit and would like a credit card with a cash-back rewards program, you should consider the Total Merrill Cash Back Visa card. The Total Merrill Cash Back Visa gives customers the choice of receiving cash back or having deposits made automatically to a Merrill Lynch account. In this post, weâ€™ll explain the basics of the Total Merrill Visa and what makes it stand out among the competition.
Total Merrill Cash Rebate Program
Through the Total Merrill Cash Back Visa card reward program, cardholders earn one credit for every dollar spent on almost all purchases. As your credits accumulate, you have the option of receiving a cash reward check or having the credits deposited directly into your Merrill Lynch Cash Management Account or Beyond Banking account after you earn 5,000 credits. There are no limits on the number of credits you can earn. However, cash reward checks expire 90 days after they are issued.
Other Card Benefits
The Total Merrill Cash Back Visa also comes with an attractive 1.99% APR on balance transfers for the first 12 months. This rate also applies to cash advances during the first 12 months. The regular APR is a fixed, competitive rate of 9.99%. The low purchase APR will save cardholders who carry a balance a substantial amount of money on interest. Thus, if you have very good credit, intend to take advantage of the cash rebate program, and occasionally carry a balance, the Total Merrill Cash Back Visa card is an excellent choice.