Merrill Lynch is one of the world's leading wealth management, capital markets and advisory companies, with offices in 38 countries and territories and total client assets of approximately $1.8 trillion. Merrill Lynch offers a broad range of services to private clients, small businesses, and institutions and corporations. The MERRILL+® Visa® Credit Card offers a low ongoing APR with a credit limit as high as $250,000, along with an outstanding reward points program with points redeemable for flights, merchandise and gift cards.