Merrill Plus Visa Signature Credit Card (Discontinued)

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MERRILL+ Visa Signature Credit Card Review

2017.8 Update: According to Frequent Miler’s source, this card may be discontinued in Sept, so this is the last chance to get this card! The sign-up bonus is worth about $500~$1000, and you can get this card more than once (as long as your credit history is good enough to get approved). So act fast before it dies!

2017.5 Update: According to the data points from reddit threads (1, 2) and the comments, the 50k offer is still available via phone! Phone number: 866-751-1257. You should verify the sign-up bonus during the call, if the CSR says it’s not 50k, you can try to provide this offer code: BAABZX. Please report data points if you tried to apply over the phone, thanks!

Application Link

  • No direct link available now, but the 50k offer is still available via phone! Phone number: 866-751-1257. You should verify the sign-up bonus during the call, if the CSR says it’s not 50k, you can try to provide this offer code: BAABZX. This card no longer accepts new applications.

Features

  1. Earn 50,000 Merrill+ Points after spending $3000 in first 3 months!
  2. Earn 1x Merrill+ Points on all purchases.
  3. The Merrill+ points are worth up to 2 cents/point. See this post for a visualized point value distribution. The following is the official term about point value:

    How To Use Your Points: Redeem points for air ticket, cash rewards and gift cards. Anytime, Anywhere Air Rewards start at 25,000 Merrill Points for flights up to $500 (inclusive of taxes and fees). Cash rewards start at 3,000 Merrill Points and shall be issued for a U.S. dollar sum equal to 1% of the amount of Merrill Points redeemed in the form of a statement credit, an electronic deposit to a Bank of America® checking or savings account or a contribution to an eligible Merrill Lynch Cash Management Account®. The redemption value for gift cards varies.

  4. Spend $50,000 or more a year in purchases on your MERRILL+® card and receive: Your choice of a $200 Travel Credit that can be used on travel incidentals or complimentary Delta Sky Club® lounge membership.
  5. No foreign transaction fee.
  6. No Annual Fee.

Recommended Application Time

  1. We recommend you apply for this card after you have a credit history of at least one year.
  2. You can have at most 1 BoA credit card if you are an undergrad student, 2 if grad student. Other people don’t have such a restriction, but BoA may cancel your credit cards to 4 if you have too many.
  3. You can have multiple same credit card from BoA. You must wait at least 90 days to apply for the same credit card, otherwise the application will be automatically cancelled.
  4. [New] 2/3/4 Rule: BoA will only approve you for at most: 2 cards per rolling 2 months; 3 cards per rolling 12 months; and 4 cards per rolling 24 months. Because their IT system hasn’t been fully updated yet, you may not get declined because of this rule. Instead, you may get approved at first, and then the account will be closed because of “approved in error”.

Summary

Many data points show that you don’t need any Merrill or even BoA account to open this card. However, since the application page was dug up by reddit, there’s still a chance that we get approved without those accounts. This card has an extremely high sign-up bonus worth about $500~$1000 and there is no Annual Fee so it is definitely a good deal!

After Applying

  • Click here to check BoA application status.
  • BoA reconsideration backdoor number: 877-383-0120 or 866-811-4108. It seems that the number is changing. Please inform us at once if it fails. The representatives here can get in touch with decision-makers directly.

Historical Offers Chart

This card is discontinued on 2017.9.19.

Application Link

  • No direct link available now, but the 50k offer is still available via phone! Phone number: 866-751-1257. You should verify the sign-up bonus during the call, if the CSR says it’s not 50k, you can try to provide this offer code: BAABZX. This card no longer accepts new applications.

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