FirstMerit Visa Classic no annual fee, is accepted by more than 14 million merchants and 300,000 financial institutions in 160 countries, cash advances at 145,000 worldwide ATM's displaying the VISA logo. Protection from unauthorized use if card is lost or stolen, emergency cash withdrawal from the closest ATM. The bank offers one variable and one fixed-rate option, at competitive rates. Other benefits include 0.00% APR fixed for six months on balance transfers, $100,000 in travel accidental death insurance, optional life, disability, unemployment and leave of Absence Insurance, Auto Rental Insurance, can be used as overdraft protection for FirstMerit checking accounts. The bank offers two types of Rate options - Variable Rate or Fixed Rate and has a 25 day grace period on purchases.