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Total MerrillSM Cash Back Visa® Credit Card

Merrill Lynch
Total Merrill^SM Cash Back Visa® Credit Card

Card Highlights:

Card Category:	Consumer
Card Type:	Unsecured
Required Credit Rating:	Excellent / Good
Issuing Country:	United States

Available Rewards:

For explanation of each icon click here

Miles	Cash	Points	Charity

About Credit Card:

Card issued by FIA Card Services, NA.

Low 9.99% APR for Retail Purchases.
No Annual Fee.
1% Cash Back on Virtually All Purchases.
Unlimited Cash Back on qualifying purchases.
Credit Line may be as high as $250,000.
Cash Back Rewards Can be Deposited Directly into Your Merrill Lynch Account.

zero liability

Credit Card Rates

Purchases:

Introductory APR:	n/a
Introductory Period:	n/a
Ongoing APR:	9.99%
Default APR:	n/a
Minimum Grace Period:	25 days
Minimum Finance Charge:	see terms

Balance Transfers:

Introductory APR:	1.9%
Introductory Period:	12 billing cycles
Ongoing APR:	9.99%
Default APR:	n/a
Minimum Grace Period:	n/a
Minimum Finance Charge:	see terms

Cash Advances:

Introductory APR:	1.9%
Introductory Period:	12 billing cycles
Ongoing APR:	9.99%
Default APR:	n/a
Minimum Grace Period:	n/a
Minimum Finance Charge:	see terms

Credit Card Transaction Fees

Balance Transfer Fees:

Minimum:	$10
Fee Rate:	3%
Maximum:	$75

Cash Advance Fees:

Minimum:	$10
Fee Rate:	3%
Maximum:	$75

Foreign Exchange Fees:

Minimum:	n/a
Fee Rate:	2%
Maximum:	n/a

Credit Card Other Fees

Initial Fees:

Setup Fee:

$0

Maintenance Fees:

Annual Fee:

$0

Penalty Fees:

Late Payment Fee:

$15