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Frequently Asked Questions about the Reward Card

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Bank of America Merrill Lynch Visa Reward Cards are only sold to businesses.


Card Recipient Frequently Asked Questions

How does the Bank of America Merrill Lynch Visa Reward Card work?
Is a Bank of America Merrill Lynch Visa Reward Card a credit card?
How do I activate the Bank of America Merrill Lynch Visa Reward Card?
How do I use the Bank of America Merrill Lynch Visa Reward Card at merchants or retailers?
The Bank of America Merrill Lynch Visa Reward Card doesn't have my name on it. Can I still use it?
If the Bank of America Merrill Lynch Visa Reward Card doesn't have my name on it, do I still sign my name on the receipt?
How do I register the Bank of America Merrill Lynch Visa Reward Card?
Why should I register the Bank of America Merrill Lynch Visa Reward Card?
Can I make a purchase for more than the amount remaining on the Bank of America Merrill Lynch Visa Reward Card?
Can I use the Bank of America Merrill Lynch Visa Reward Card at more than one merchant?
Can I use the Bank of America Merrill Lynch Visa Reward Card for online purchases?
Can I use the Bank of America Merrill Lynch Visa Reward Card at an ATM to withdraw money?
Can I add more money to the Bank of America Merrill Lynch Visa Reward Card?
Can I use the Bank of America Merrill Lynch Visa Reward Card to get cash at a banking center?
Can I use the Bank of America Merrill Lynch Visa Reward Card to get “cash back” at check-out?
What should I do if the Bank of America Merrill Lynch Visa Reward Card is lost or stolen?
How long can I use the Bank of America Merrill Lynch Visa Reward Card?
What if I have an amount remaining after the Bank of America Merrill Lynch Visa Reward Card expires?
What happens when I spend the entire amount on the Bank of America Merrill Lynch Visa Reward Card?
How do I use my Bank of America Merrill Lynch Visa Reward Card to pay at gas stations and restaurants?
How will I know the original amount of the Bank of America Merrill Lynch Visa Reward Card?
How can I check the amount remaining on the Bank of America Merrill Lynch Visa Reward Card?


Card Recipient Frequently Asked Questions

How does the Bank of America Merrill Lynch Visa Reward Card work?

The Reward Card is used just like any Visa debit card for purchases at millions of merchant locations that accept Visa debit cards. The Reward Card cannot be used to withdraw cash at an ATM or for “cash back” at a merchant checkout.


Is the Bank of America Merrill Lynch Visa Reward Card a credit card?

No, the Reward Card is a prepaid Visa debit card and spending is limited to the dollar value remaining on the Reward Card.


How do I activate the Bank of America Merrill Lynch Visa Reward Card?

You can activate the Reward Card by using the card number and activation code (provided by the purchaser) at the Bank of America Merrill Lynch Visa Reward Card Web site at www.baml.com/rewardcard, or by calling 1.866.300.8288 OR the Purchaser may have already activated the Reward Card for you. Please check with the Purchaser to determine if the Reward Card is activated or not. At the time of activation, you will be asked to select a passcode which will be the same for the phone and web and must be numerical from 6 to 16 digits.


How do I use the Bank of America Merrill Lynch Reward Card at merchants or retailers?

At retailers with keypads, push “Credit” and sign the receipt.  At retailers without keypads, give the Reward Card to the merchant and sign the receipt.  To make purchases greater than the amount on the Reward Card, first pay the difference by cash, check or credit/debit card, then use the Reward Card.  It is important to know the amount remaining on the Reward Card at all times..


The Bank of America Merrill Lynch Visa Reward Card doesn’t have my name on it. Can I still use it?

Yes, you can still use the  Reward Card even though your name doesn’t appear on the Reward Card. Make sure you sign the back of the Reward Card because merchants may validate your identity by comparing your signature on the back of the Reward Card with the one on your receipt.


If the Bank of America Merrill Lynch Visa Reward Card doesn’t have my name on it, do I still sign my name on the receipt?

Yes, even though the Reward Card has a greeting, like “Thank You” instead of your name, you will still sign your name on the receipt when you make purchases. Make sure you sign the back of the Reward Card, so that retailers can validate your identity by comparing your signature on the receipt with the one on the Reward Card.


How do I register the Bank of America Merrill Lynch Visa Reward Card?

You may register by going online at www.baml.com/rewardcard or calling 1.866.300.8288. You will need to provide your name, full address, and phone number.


Why should I register the Bank of America Merrill Lynch Visa Reward Card?

Registering the Reward Card has several benefits:

  • It enables you to make purchases online. Most online retailers do not accept payments without a valid “billing” address. Your registered address will serve as the “billing” address that retailers require.
  • It enables Customer Service Representatives to more quickly assist you when you need assistance; for example, if the Reward Card is ever lost or stolen.

Can I make a purchase for more than the amount remaining on the Bank of America Merrill Lynch Visa Reward Card?

Yes, however you must tell the cashier or merchant the amount you want to pay on the Reward Card and then first pay the remainder through other means. If you don't tell the cashier or merchant and attempt to make a purchase for more than the amount on the Reward Card, the transaction will be declined.

Note: It's important to keep track of the amount of the Reward Card so you don't try to make purchases for more than the amount remaining on the Reward Card. The amount remaining on the Reward Card can be reviewed by going to the Bank of America Merrill Lynch Reward Card website at www.baml.com/rewardcard.


Can I use the Bank of America Merrill Lynch Visa Reward Card at more than one merchant?

Yes, as long as there’s a sufficient amount on the Reward Card.


Can I use the Bank of America Merrill Lynch Visa Reward Card for online purchases?

Absolutely. You can use the Reward Card for purchases anywhere Visa debit cards are accepted - even online. However, you should first register the Reward Card before attempting an online purchase.


Can I use the Bank of America Merrill Lynch Visa Reward Card at an ATM to withdraw money?

No, you cannot use it to obtain cash at an ATM. The Reward Card can be used wherever you sign for transactions, like at a store or restaurant, or when you buy online or over the phone.


Can I add more money to the Bank of America Merrill Lynch Visa Reward Card?

No, you cannot add more money to the Bank of America Merrill Lynch Visa Reward Card.


Can I use the Bank of America Merrill Lynch Visa Reward Card to get cash at a banking center?

No, you can only use the Reward Card for retail or online purchases.


Can I use the Bank of America Merrill Lynch Visa Reward Card to get “cash back” at check-out?

No, you cannot use the Reward Card for a “cash back” transaction.


What should I do if the Bank of America Merrill Lynch Visa Reward Card is lost or stolen?

Call Customer Service toll free at 1.866.300.8288 to cancel the Reward Card as soon as you can, 24 hours a day, seven days a week. You must provide the 16 digit card number. If you do not know the Reward  Card number, please contact the Purchaser (the business that purchased and gave the Reward Card to you). After you cancel the Reward Card, we can send you a replacement Reward Card with the remaining amount on the Reward Card, minus a $15.00 Replacement Card fee.


How long can I use the Bank of America Merrill Lynch Visa Reward Card?

The Reward Card expires nine months from the date of issue - the expiration date is embossed on the front of the Reward Card. Upon expiration, the Reward Card is deactivated and you will not be able to use it again.. Please take note of the expiration date on the front of the Reward Card and deplete the Reward Card amount before expiration.


What if I have a remaining balance after the Bank of America Merrill Lynch Visa Reward Card expires?

On the date the Reward Card expires, it will be deactivated and you will not have any rights to the remaining amount on the Reward Card.  So please take note of the expiration date on the front of the Reward Card and deplete the Reward Card amount before expiration.


What happens when I spend the entire amount on the Bank of America Merrill Lynch Visa Reward Card?

The Reward Card will no longer be accepted as a form of payment.

How do I use my Bank of America Merrill Lynch Visa Reward Card to pay at gas stations and restaurants?

Gas stations. The best way to pay for gas station purchases is to hand the Reward Card to the attendant who will complete your transaction at the register. If you prefer to pay at the pump, you may be declined if you do not have enough funds to cover the cost of a full tank of gas.

Some restaurants verify that the Reward Card has enough funds to cover the purchase, plus a 15% - 20% tip. If the amount on the Reward Card is not enough to pay the tip, tell the server you will pay the tip in cash. Otherwise, simply use the Reward Card for purchases at retail stores.

How will I know the original amount of the Bank of America Merrill Lynch Visa Reward Card?

The dollar amount of the Reward Card is printed on the card carrier. You can also go online at www.baml.com/rewardcard to obtain the original amount on the Reward Card.


How can I check the amount remaining on the Bank of America Merrill Lynch Visa Reward Card?

You can check the amount remaining on the Reward Cards and transaction history online at www.baml.com/rewardcard.

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