merrill lynch credit cards are designed for people with good credit or better. among the best credit card offers by merrill lynch is merril+ card, issued by fia card services and offered independently from merrill lynch account. it comes with rewards program that with which cardholders earn one point for each dollar spent on all purchases and two points when purchasing a merrill cruise. points can be redeemed for air travel, hotel stays, car rentals, gift certificates, merchandise, and more.