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BoA/ML -- what's their most elite card?

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Frequent Contributor

Re: BoA/ML -- what's their most elite card?

My Travel Rewards is my daily driver. I am Platinum Honors Plus with ML -- 2.63 pts per $1 spend. This is why I was asking. 

 

Every bank is YMMV as far as I've read here.... BoA has given me by far my largest credit lines and they're still prequalifying me for the other 2 cards on the site. However tempting it is, I MUST garden... haha.

 

Is it the Merrill Signature+ after reading this forum? My advisor and his Client Associate actually recommended this card a few months ago. No AF.

In order of use: AmEx (Platinum) | Barclays Uber VS | BofA/ML (Merrill+ VS, Cash Rewards VS) | Citi AAdvantage Platinum Select WEMC | Discover | Chase | NFCU

TU 704, EX 700, EQ 676 (11/30/2017)
Message 11 of 19
Community Leader
Super Contributor

Re: BoA/ML -- what's their most elite card?


@TheGeekyCreditGuy wrote:

@Gmood1 wrote:

@ Thegeekycreditguy, I use the Penfed Cash rewards in conjunction with a Shell fuel rewards card https://www.fuelrewards.com/shop-at-shell.html . Right now averaging 15 cents off a gallon by using them together..no fees for either. I have gotten 25 cents total. I've seen my GF hit around 75 cents a gallon off.


Sounds like a good combo, but I prefer not to get a card that only can be used at a single place, and I have no shell around me lol. Just as a stand alone card the Bofa cash rewards is decent for me for gas right now. 


Maybe check and see if the gas stations around your area offer similar programs​. It's just a rewards card, not a credit card. In the last month I've used it in Missouri, Illinois, Kentucky, Tennessee, Alabama, Georgia and South Carolina. I just started using the program 3 months ago. Didn't realize how much I could have been saving by swiping it before using my CC.

Message 12 of 19
Community Leader
Super Contributor

Re: BoA/ML -- what's their most elite card?


@cmm89 wrote:

My Travel Rewards is my daily driver. I am Platinum Honors Plus with ML -- 2.63 pts per $1 spend. This is why I was asking. 

 

Every bank is YMMV as far as I've read here.... BoA has given me by far my largest credit lines and they're still prequalifying me for the other 2 cards on the site. However tempting it is, I MUST garden... haha.

 

Is it the Merrill Signature+ after reading this forum? My advisor and his Client Associate actually recommended this card a few months ago. No AF.


The Merrill Lynch+ did have a fantastic sign up bonus!

Not sure if it is still being offered. I have that card. 

The rewards are meh after the bonus. But since they've given me such a nice limit. I have a recurring bill on it to keep it active.

Message 13 of 19
Frequent Contributor

Re: BoA/ML -- what's their most elite card?

Thanks for the feedback. Even my advisor suggested gardening in other terms. So I'll stay here slowly churning my spade until I feel comfortable applying for it.

 

EDIT: After my gardening session, I'd like to have it blow my other limits out of the water. I've been told that it can. 

In order of use: AmEx (Platinum) | Barclays Uber VS | BofA/ML (Merrill+ VS, Cash Rewards VS) | Citi AAdvantage Platinum Select WEMC | Discover | Chase | NFCU

TU 704, EX 700, EQ 676 (11/30/2017)
Message 14 of 19
Community Leader
Super Contributor

Re: BoA/ML -- what's their most elite card?


@cmm89 wrote:

Thanks for the feedback. Even my advisor suggested gardening in other terms. So I'll stay here slowly churning my spade until I feel comfortable applying for it.

 

EDIT: After my gardening session, I'd like to have it blow my other limits out of the water. I've been told that it can. 


Once your scores rise a bit, you'll have no problem doing that with BofA.

Message 15 of 19
Regular Contributor

Re: BoA/ML -- what's their most elite card?

The Merrill Lynch Octave is probably the highest end offering... Invitation only for folks with very high assets in ML. http://www.doctorofcredit.com/merrill-lynch-octave-premium-credit-card-review/
Favorite cards: AMEX Schwab Platinum, Gold, Blue Business Plus | BofA BBR | Chase Hyatt | Citi DC | Discover it | FNBO Travelite, Ducks Unlimited
Message 16 of 19
Frequent Contributor

Re: BoA/ML -- what's their most elite card?

Won't be qualifying for that card as of yet Smiley Wink

In order of use: AmEx (Platinum) | Barclays Uber VS | BofA/ML (Merrill+ VS, Cash Rewards VS) | Citi AAdvantage Platinum Select WEMC | Discover | Chase | NFCU

TU 704, EX 700, EQ 676 (11/30/2017)
Message 17 of 19
Established Contributor

Re: BoA/ML -- what's their most elite card?


@GeorgiaBulldog wrote:
The Merrill Lynch Octave is probably the highest end offering... Invitation only for folks with very high assets in ML. http://www.doctorofcredit.com/merrill-lynch-octave-premium-credit-card-review/

 

Yeah.. I won't be getting that one either. Smiley Tongue

 

I'm curious though... Is that card issued by Amex or BoA?

Amex PRG (NPSL), Amex Blue Cash ($8K), Amex Simply Cash+ ($4K), Discover ($20.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase CSP Visa Sig($5K), FCB/Elan Rewards Visa Sig($10K), Buckle ($1.3K), BofA AAA Rewards ($65K), Paypal credit ($6.5K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($10K)
Message 18 of 19
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Re: BoA/ML -- what's their most elite card?


@GeorgiaBulldog wrote:
The Merrill Lynch Octave is probably the highest end offering... Invitation only for folks with very high assets in ML. http://www.doctorofcredit.com/merrill-lynch-octave-premium-credit-card-review/

I believe I read the Octave  is discontinued and people were moved to the Merrill+ card that had the Octave.

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | 5/3rd | Synovus | Commerce | FNBO | Union Bank | Regions
Message 19 of 19
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