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Mercury® Mastercard®

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You can only apply for the Mercury card if you are pre-approved and have a reservation code from the issuer. You can check to see your approval status, in case you lost your code or are unsure if you’ve been pre-approved in the past.

Our rating
Min. credit level: Fair
Annual Fee: $0 or $75
Regular APR: 26.99%–29.99% Variable

Mercury® Mastercard®

Our rating
Fair Min. credit level
$0 or $75 Annual Fee
Apply Now

Highlights & Features

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 26.99%–29.99% Variable
Balance Transfer Fee 4%, $5 minimum
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee N/A
Foreign Transaction Fee 0% or 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 27.99%–31.99% Variable
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

PERKS
  • Free Credit Score
SECURITY
  • Zero Liability on Unauthorized Charges
Mercury® Mastercard®

Highlights

  • $0 Fraud Liability
  • See one of your FICO Scores for free
  • 0% or 3% foreign transaction fee
  • $0 or $75 annual fee
ABOUT THE ISSUER

First Bank & Trust

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-866-686-2158

The Mercury Mastercard is one of the more mysterious cards we’ve come by. The issuer has released very little information regarding rewards, signup bonus, card features, or exact terms.

What we do know:

  • This card maintains high interest rates.
  • You must be pre-approved and have a reservation code in order to apply.
  • Some people report cash back rewards but we have not been able to find a rewards structure.
  • The annual fee is $0 or $75.

There’s also a Mercury Mastercard app you can download to manage your card.

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