Enjoy the benefits of MERRILL+ Visa Card. No annual fee and a low competitive 9.99% annual percentage rate (APR); Anytime, Anywhere, Any Airline —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 Points; Credit line may be as high as $250,000; Zero liability protection and early fraud warning.