The Total Merrill(SM) Cash Back Visa® Card, issued by FIA Card Services, N.A., is designed for those with very good credit who plan to take advantage of the cash reward program offered through Merrill Lynch.

Through the reward program, cardholders earn one cash back reward credit for every dollar spent on all purchases. Cardholders have the option of receiving a cash reward check or having reward credits automatically deposited into a Merrill Lynch Cash Management Account® (CMA®) or Beyond Banking® account after earning a minimum of 5,000 reward credits. There is no limit on the number of reward credits earned; however, checks expire 90 days from the date of issuance.

The card has no annual fee and offers the same reasonably low fixed interest rate for both purchases and cash advances. There is also a low introductory rate for balance transfers and cash advances for twelve months.

Therefore, those who may occasionally carry a balance (due to the very low interest rate) and plan to take advantage of the reward program will benefit most from what the Total Merrill(SM) Cash Back Visa® Card has to offer.