All of you posters with complaints about the Merrill + Rewards Program have just been "LYNCHED," and I have no doubt that you will suffer many more "lynchings" when trying to use the Merrill + Rewards Program before you crawl beaten down and exasperated to American Express where you can get a Rewards Program credit card that works as advertised in the form of an Amex Hilton HHonors or Starwood Preferred. Why do you think the card is black manure colored with an outline of a bull on the front of the card -- I think that it's Merill's way of informing consumers from the outset that the Rewards Program is "bull _ _ _ _."