Posted by William Charles on March 18, 2017
Credit Cards merrill_card

Published on March 18th, 2017 | by William Charles


Merrill+ Still Available Via Phone With Bonus

If you didn’t listen to us earlier and sign up for the Merrill+ card when the bonus was 50,000 points online (it was one of our top credit card offers when available), then you might still have a chance to get the card and the bonus. Reddit user aoechamp applied by phone (866-751-1257) and was told that the offer was 50,000 points after $3,000 in spend (the previous online offer).

They received their bonus, but only 25,000 points instead of 50,000 points. Apparently the offer has changed to require $2,500 in spend for 25,000 points rather than the $3,000 spend required for 50,000 points. Other reddit users that applied recently have also been told that they are enrolled in the 50,000 point bonus.

I suspect if you apply by phone and are told that you’ll receive 50,000 points you’d be able to get that offer by making a complaint. As always, whenever you make a phone call make sure you get a reference number for that call and write down exactly what you were told.

You can read our full review of the Merrill+ card by clicking here. You can also read our guide to redeeming points here.

101 Responses to Merrill+ Still Available Via Phone With Bonus

  1. Phone applications should still count for merging hard pulls, correct?

  2. Irshad says:

    Can I have my existing card open and open another one over the phone? I am not sure if I will get approved as I had to recon even for my first card last month.
    Any input would be appreciated.

  3. Carl says:

    Any idea if the situation is better if one has their investment portfolio already with Merrill Lynch? Would I benefit from having my broker work with me in applying for the card?

    • V says:

      I can’t say if it matters or not, but I can say that they seem to be more open to outsiders than Wells Fargo. I remember one or more family members getting rejected by WF despite good/great credit (it’s usually 750+ score when I do app-o-ramas). A family member recently got Merrill+ (750+ or perhaps 770+ score, I don’t have the exact number handy) but another member got rejected at 696 (XPN pull, Feb2017). No relationship with Merrill+. I think BoA cards (or the lack thereof) will be more important, other than the credit score and balances etc.

      The latter had had an apporama in July 2016 and was carrying more than $35k balance, all of it on 4 of the 5 new cards (all on 0% APR) which pushed them all to higher than 50% utilization but I just figured it doesn’t hurt to try. Pre-apporama July 2016 scores were 762-791 but BoA had denied a card at 791 XPN score in July 2016 citing “overdrawn bank account.” It was an account that wasn’t in use, was previously free and suddenly got monthly fees being charged.

  4. MarcoPolo says:

    25000 points after $2500 spend is not worth dinging my credit file.
    YMMV though.

  5. Adam D says:

    The bulls has been castrated…50k offer was awesome but I couldnt get approved. For 25k, youre better off going with US bank and flexperks since there are 4 cards to merge points from.

    • jf says:

      wouldn’t you say that us bank is harder to get approved for than this card? I mean BOA wouldn’t even touch me 2 years ago and they just gave me a 15k CL without siphoning away CL from my other card. Couldn’t get approved with WF, but definitely want to get in with US bank for sure!

      • Adam D says:

        I didnt have any problems with US bank on the amex gold and visa flexpoints with olympic promo, I froze ars and sagestream reports, which lead to me being auto-denied for the visa business flexpoints. I may unfreeze and apply for biz at a future point. BoA is eaier to be approved than US bank but depends how many cards you were approved with boa, I had 3 2 weeks before merill.

  6. sirtheta says:

    For what it’s worth, I could make the argument that a 25k bonus makes it much easier to maximize the value and get over $500 because this is $500+ off on any ticket over $500. (Whereas it’s harder to do with 50k points unless you’re booking two tickets or close to $500 flights.)

    • Div says:

      @Sirtheta: Are Merrill+ Visa Credit Card and other BOA credit cards (Travel Rewards CC, Alaska Air CC, etc…) consider as one family card?
      I want to combine the hard pull into one, so trying to understand.
      Also, I just called (866-751-1257)) and submitted an application over the phone. Rep said the bonus offer is 50k/3k currently. My application went to review, rep mentioned within 30 days they would inform me about my application decision.

      • sirtheta says:

        Applications for the Merrill+ go through BOA, so the pulls originate from the same agency as the Travel Rewards or Alaska card, and can be combined, yep.

    • kt says:

      since you’re a mad genius in math, can you dig up another 50k bonus link?

    • sirtheta says:

      addendum: that’s not to say that the 25k bonus is better – it’s $250 to $500 whereas the 50k bonus is $500 minimum in cash, so the latter is definitely better. it’s more that it makes it much easier to get 2 cpp 🙂

  7. Chris says:

    I’m still afraid of getting scrutinized and clawed back for suspected MS, in the vein of the recent Amex clawbacks, since this offer was apparently never supposed to be public.

  8. Gaurav says:

    Just called and the rep said that they needed a financial advisor code and an offer code to apply. Anyone else encounter that?

    • Gaurav says:

      So far three calls, they all state they can accept the application but no bonus without a source or offer code 🙁

      • irshad says:

        There was some comment in another thread about a priority code VACSTX
        Is it what you were asked?

        • Gaurav says:

          Thanks Irshad. I had given up but called again ready with the code. Apparently the sixth time was the charm. The agent offered me the bonus off the bat when I asked about the card and went ahead and completed the application without providing the code. I was bummed to have missed this and glad I was able to get an application in. Thanks DOC!

          • V says:

            I helped my sister apply for Merrill+ card today. We got lucky and got an agent on the first call who was familiar with 50k points the offer code (I forgot the particular term he used). The disclosures took a long time for him to read and I felt bad for him. He didn’t offer an email option for disclosure, similar to what Wells Fargo offers. The application has been submitted and is pending. CreditKarma TU 790, EFX 797.

  9. Terry says:

    I called today and got the offer of 50k for $3k spend. Agent had to trouble finding it.

  10. Onsale says:

    Just got my 50K bonus. What is the best way to spend it? I’m thinking statement credit.

  11. yhgfkj says:

    Onsale. did you apply by phone ?

  12. Adam D says:

    So is this 50kmiles/3k spend or 25kmiles/2.5k spend currently? I downloaded a call recorder app so if the reps do say 50k there will be evidence but getting conflicting iformation from here and reddit.

  13. Kartik says:

    Can this be clubbed with Bofa travel and Alaska credit card to get a single hit on the credit score?

    • Anthony says:

      Yes. But there are multiple reports on reddit of BoA closing Merrill+ accounts of people who applied for multiple cards in one day. YMMV but be careful!

    • Adam D says:

      If you apply for more than merill+, make sure to call recon and get approved prior to applying for other cards. Other boa cards will be auto-approve and then the merill will be denied, it happened to me.

  14. Allen says:

    Jumped on the phone application after seeing this article. Agent confirmed the 50k/$3k offer with no issue. The app went to pending, and was told to check back in several days. Does anyone recommend hitting up a recon # to push this along or let it be and wait..? Applied Saturday morning.

  15. N says:

    I applied on Sunday. Also had no issues with 50K/3K offer. The app went to pending. I called the automatic app status checking # (866) 295-5137 this morning and was told that I’ve been approved.

  16. Helen says:

    Just called and applied by phone and confirmed the 50K/$3000 promo. Application went pending as well.

  17. Terry says:

    Approved with $10K cl and with my 9 or 10/24 I was a little surprised.

  18. Kody says:

    I called this morning and rep was not aware of the bonus at first. She put me on hold and then came back with information that the 50K/$3K spend promo was available.

    Application pending.

  19. Justin says:

    Seems like a lot of people are applying based on a verbal confirmation of the 50k points but no data points yet on actually getting that successfully.

  20. Kartik says:

    I tried calling the Merrill for a phone application but the agent asked be for a priority code? Does anyone know what that is or how to get one?

    • sirtheta says:

      The priority code from the application that BOA took down was VACSTX. I’m not sure if that means it is no longer active as a priority code.

      • Kartik says:

        This didn’t work, have tried twice. Let me ring them again hoping for 3rd time luck.

        • sirtheta says:

          Ack, I guess that means it’s no longer active as a priority code 🙁

          • Kartik says:

            Ok 3rd time lucky! No priority code asked. I think the trick is to tell them that ‘your friend told you about this card..’ rather than telling them you saw it online.

            My application is pending, should I call recon or wait a few days?

          • sirtheta says:

            With the web-based applications, it usually took a business day or so for them to make a decision. I’d wait it out & check with the online status tracker tomorrow 🙂

  21. Raju Mogulapalli says:

    I called and asked if this card still has 50k points offer and they said yes they can indeed see that offer there on their system and I applied yesterday evening over phone and got approved today morning.

  22. Daniel Lassiter says:

    Just called and got the offer. However the rep I spoke with did not mention the 50K bonus until I specifically asked. Not sure if she just missed it while telling me about the card or what. Has anyone gotten instant approval over the phone or is there a delay in the approval process? I was told that I would be notified via mail and I could call a number to check the status of the application but when I called right after it also said I would be notified via mail. Wondering if I need to call reconsideration.

  23. Nus says:

    If we get this card, is it a good idea to try to get another card off the same hard pull, or is that just asking for trouble? (And is the HP good for a day or a month or what?) Also if they cut down the credit line on our current BoA card(s) to make way for the new card, is that another hint that we shouldn’t push our luck trying to get another card? How many BoA cards can you have, these days, given that things are tightening up? If we only get 1 card now, how long should we wait until applying to them again?

    • If you’re instantly approved I’d go for it, otherwise no.

      • Nus says:

        Not instant. Apped this am, approved this pm. (Have Plat Hons if that’s a factor.) There are a couple more BoA cards I want to add, but I can get them later in the year, if being too hasty could make them claw back the card I just got.

        • Adam D says:

          I was denied 4 months ago, I closed a personal travel card and applied again today and was approved hours later. This is my 5th BofA credit card in less than 4 months and 8th in a year and a half, BofA is still the easiest bank to churn and get approved imo.

  24. Yet Another Redditor says:
  25. sam says:

    ok, just applied via phone – application is pending! The Rep said – this promo is on going – and we can apply online through bankofamerica and then find Merrill Lynch Card link – and promo will be attached. who want to try it go ahead. I cannot risk it.

    • If that’s true it’s odd they removed the bonus language from the application page

      • sam says:

        i didn’t find any page, can you share? thx
        He said there is no promo code – so any links will work fine and bonus will be attached – I cannot trust his words))

        • Chris says:

          If no one has found out about a supposed new public online offer, the CSR is probably telling you wrong information about the old, now-taken-down offer. CSRs often give wrong or outdated information. Churners frequently are more familiar with banks’ websites than the low-level bank employees are.

          • SamSimon says:

            It’s not new he said, he said it’s same link that people apply for this card just it won’t have the 50,000 bonus points language prior applying only after you applied I will see some bonus language…. he said I can get reference number (date, time) of our conversation if I won’t get the bonus, but then I told him I cannot find it, he said he is in different department “VIA phone DEP.” and he doesn’t know how to apply online…. he told to search to the application page….. I said, OK THANKS, but no, and I applied with him VIA phone – he said 50,000 points will be attached after I spend $3,000….. this way too crazy, funny, and idiotically…. he is telling me one thing, but doesn’t know how to apply online, but he sees the offer online on his end….. either he doesn’t know anything, or BoA doesn’t allow this dude’s Depart. to access online applications…. or he doesn’t see that online offer is dead, and link to apply for it maybe just frozen or pending for a while….

          • SamSimon says:

            but how is it possible – that offer is dead online, but you can apply via phone? I never heard about it…. people love to file online, very few will call…. and why they hide this offer and want only PHONE applicants?
            kind doesn’t make sense…

  26. lingua says:

    like recent comments above

    Called and applied via phone 3/22.
    CSR took a few minutes to confirm the 50k points (was unfamiliar with it at first it seems)
    about a 30 min. phone call, nothing tricky
    Went to pending/review and called in yesterday with recorded approval message 18k credit line.
    Noted reference # as recommended.

  27. BC says:

    I applied a couple months ago and went pending then through mail was told that I have enough BofA credit already extended. Called back for reconsideration and reviewed came back after a long wait with the same answer. I was told my credit score is 822. I have on Alaska card with $21k credit for my only BofA card. I am about 11/24. I thought there was no way they would not give me the card. Maybe I’ll try again.

  28. MarcoPolo says:

    Applied today over the phone after reading so many positive comments.
    Representative checked for the promo and confirmed that the Promo is, in fact, ongoing.
    He ask me how did I come to know about the promotion and I told him that my friend 🙂 recently applied under the promotion..
    Took me just over 20 minutes and everything went smoothly.
    He also gave me the Application reference # and the application status check phone # 1-866-295-5137 and suggested to call after 24 hrs.
    Glad that I could apply since I was kicking myself for not applying earlier online.
    Thanks DoC (as always) and everyone who contributed.

  29. Daniel Shamooelian says:

    Hi Will, I applied about a week ago and was approved under the 50,000 points after $3,000 spend. I received the card today and called CSR who said the bonus was 25,000 points after $2,500 spend….They said they would file an investigation to look into the recording….very disappointing how they can lie like this….I took down the agent name and reference number for the call…any tips on this?

    • Wait to see what they come back with first, you have better of options to escalate at a later date if needed.

    • eclipsor says:

      I also got a reference number just incase but I realized they gave me the reference number for the app instead of the actual phone call, hope that’s the same thing in case anything happens.

  30. Jake says:

    Do the points ever expire?

  31. eclipsor says:

    Phone app still works: Called today and when I gave him BAABZX code he was able to find the 50k after 3k spend offer. App went to 30 days though so we’ll see what happens.

  32. SamSimon says:

    credit card funding: – who cam confirm Merill+ count as cash advance or not?
    Thanks! I love you guys;)

  33. tinker25 says:

    Just called, phone app still working

  34. SamSimon says:

    Still works… BAABZX code

  35. TKB says:

    Thanks Doc. Applied today and approved after calling recon dept.

  36. A says:

    BAABZX worked for me too.

  37. Doug says:

    Applied yesterday, and code BAABZX works. However, I wasn’t approved even after calling recon. They said because I already have two credit cards with BofA and they are sufficient. Probably because I don’t spend much on those two cards.

  38. SamSimon says:

    Strange! I was approved 15 days ago 765 score and no any relationship with BoA and have credit history of 3 years oldest and 6 credit cards (total 10 cards within 24 months). BUT my brother has the same score and no relationship with BoA, same credit history and length and credit cards…..
    THEY reject his application – two times he called reconsideration
    THEY said: “YOU do not have a sufficient number of credit references and you have limited deposit and investment balances with us and our affiliates” – what does it mean – who knows )
    He said he got in savings total $11,000, I said I got $6,000……
    Either he is unlucky or they change the rules and now they filter people more strictly

  39. eclipsor says:

    DP: finally got my card in the mail, there’s an insert in the envelope mentioning the 50k/3k bonus offer. so hopefully it’s officially tied to my account and I won’t have to dispute getting only 25k

    • VK says:

      Had called in on Friday; application did not go through immediately. The analyst said that it might be reviewed because I am not a permanent resident.
      Called recon to check; said I was already approved. I already have 3 other BofA, so seeing some data points I had already decreased credit limits on 2. I ‘think’ that might have smoothed the process a bit.
      Wanted to check what are they pulling? I had applied for Barclay Arrival and Merrill+ together. Credit Karma already reported a TU pull for Barclay, but no pull reported yet for BofA.

  40. Brian says:

    I’ve already had one Merrill+ card and have spent the points on a couple of airline tickets on United and Alaska which won’t be completed until late June. Those trips show up in the “My Trips” section of the Merrill Lynch travel center when I log on. My account # on the Merrill Lynch travel center is the same as my credit card number. I’d like to cancel the Merrill+ card with the hope that maybe in a month or two I could reapply for it if they’ve still got the 50K offer going for folks who call in. If I cancel the card, will it impact the airline tickets I’ve spent the points on?

  41. Rafael says:

    I want to try this but I feel It’s too late. If I’m accepted, I’m at risk of them taking it away due to “business error”, and I’d be stuck with a hard inquiry for nothing. Or will the hard inquiry be removed? Anyone know?

  42. Rafael says:

    Ignore this comment. Just wanted to easily sign up to newsletter.

  43. Brian says:

    DP called in the 12 of April using the BAABZX code asked about the 50,000 point with 3k spend was confirmed. I just got my card today with the insert welcoming me to the card with a one time bonus of 50,000 for the 3,000 in purchases.

  44. Div says:

    I applied for both Merrill+ card and Alaska personal or the same day. Alaska got approved instantly for Merrill+ it took 2 days to get the approval. However, for both CC BOA pulled credit on the same day. But on my TransUnion report it shows 2 hard pulls. I was trying to get Chase UA card for 70K, as I can see this offer on my account, But now I am at 5/24. Is there anyway to confirm with BOA for what reason it shows 2 hard pulls? Any idea or suggestions?

  45. SamSimon says:

    ok, still works – sister just got approved.

  46. jz says:

    4/26/17: First time called in, I was told to provide Merill+ employee ID. I had to call in 2nd time to get the application done. The application is in pending status now.

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