FirstMerit Bank's Visa Platinum Card has no annual fee, low interest rates, rewards through the VISA Extras program, Optional Life, Disability, Unemployment and Leave of Absence Insurance, cash advances at 145,000 worldwide ATMs, protection from unauthorized use in case of the loss of card, emergency cash as near as the closest ATM, ability to be used as overdraft protection for FirstMerit checking accounts. The benefits package (certain restrictions, limitations, and exclusions may apply) includes $1 million in travel accidental death insurance, Auto Rental Insurance, Travel and Emergency Assistance, warranty registration service, extended protection available, emergency card replacement and cash advances for lost or stolen cards, lost luggage locator service, hotel/motel burglary insurance, personal check cashing, with customer's signature at participating worldwide hotels.