Skip to content

Mercury® Mastercard®

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

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


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

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


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

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


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.

Scroll to top