Better Cash Management for Your Business
Simplify your financial management with Visa debit cards linked directly to your Working Capital Management Account® (WCMA® account). Keep your funds working longer with delayed debit. Track your company transactions via monthly statements or online through the Merrill Lynch Business Center. Get cash when you need it through 170,000 nationwide ATMs.
The Business Signature Rewards card can help you improve and simplify your company's financial management with features like deferred debit, while earning rewards. Through Merrill Lynch's Rewards Program, you can earn points for all qualified purchases, which can be redeemed for cash (consult your tax advisor before redeeming), or your choice of over 200 rewards. 
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Try our new online interactive Visa Business Signature Rewards Calculator to see the estimated annual return on these valuable card features. Control your costs and simplify your recordkeeping with free accounting and budgeting reports for all of your Business Signature Rewards cardholders - view online reporting features with the Visa Information Source Select (VIS Select) Reporting Demo.
You can also monitor and track your Business Signature Rewards card spending with our free, easy-to-use, Web-based reporting solution. Card holders can automatically receive periodic reports via e-mail detailing their Business Signature Rewards card usage in categories such as Company Summary, Spending Summary, Cardholder Detail, and more. With up to 99 individual cards per account, monitoring business expenses remains simple. More
You must make a quailifying retail purchase with the card within 90 days of your account approval. This offer is limited to one per Merrill Lynch account, is not transferable and may not be combined with any other offer. Call your Financial Advisor for more details.
Get flexible rewards your business can really use. Select from over 200 rewards from participating restaurants and office supply, telecommunications, hotel, car rental, and airline providers. You can even exchange points for cash back. More
Save time with the convenient WCMA Business Access card, with direct debit and ATM access to cash. Using your card, you can eliminate the need for traditional check writing. The card is free to all enrolled WCMA customers. With up to 99 individual cards per account, you can monitor and control business purchases, and travel and entertainment expenses. More
In addition, the Visa Business Partner Advantage program is included with your Business Signature Rewards card and WCMA® Business Access card allowing you access to valuable savings on premier business products and services. More
Compare the Business Signature Rewards card and the WCMA Business Access card
| Compare Our Solutions |
Business Signature Rewards Card |
WCMA Business Access Card |
| Account Features |
| Delayed Debit |
Yes |
No |
| Multiple Visa Numbers (per account; up to 99 cards per account) |
Yes |
Yes |
| Preset Spending Limit |
Optional |
Optional |
| Access to Credit (margin) |
Yes |
Yes |
| 24-Hour, 7-Day Customer Service |
Yes |
Yes |
| ATM Withdrawal Limit |
$500 |
$500 |
| Emergency Cash/Cards |
Yes |
Yes |
| Rewards Program |
| Rewards Program |
Yes |
No |
| Rewards Program Fee |
$0 |
N/A |
| Concierge Service |
Yes |
N/A |
| Fee |
Annual fee applies |
$0 |
| Insurance Coverage |
| Travel/Accident Insurance (AD&D) |
$1 Million |
N/A |
| Auto Rental Insurance |
Yes |
Yes |
| Medical Evacuation |
Yes |
No |
| Lost Luggage |
Assistance Only |
Assistance Only |
| Purchase Security |
Yes |
Yes |
| Dispute Processing |
Yes |
Yes |