Credit Cards

Applying for the Mercury Credit Card: learn how!

In this post, we'll teach you how to apply for the Mercury Credit Card so you can enjoy $0 Fraud Liability, free access to FICO score, and more!

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by Izabela Bonzanini

02/17/2022 | Updated on 03/23/2022

Mercury Credit Card application

Logo Mercury fundo branco
Check out how the application process works. Source: Mercury Cards.

Are you looking for a credit card that is designed for people with poor credit? If so, applying for the Mercury Credit Card may be the perfect choice for you.

In this post, we’ll teach you how to apply for the Mercury Credit Card and provide an overview of its features.

This card comes with a few benefits that can help people with poor credit improve their financial situation. Plus, it comes with a variety of features, including low interest rates, zero liability on unauthorized charges, 0% or 3% foreign transaction fee, $0 or $75 annual fee. So if you’re looking for a way to start rebuilding your credit, the Mercury Credit Card could be a good choice.

card

Credit Card

Mercury

$0 annual fee Mastercard

$0 Fraud Liability. Free access to FICO score.

See an ad to be redirected to another website

Apply online

Mulher usando computador
Applying online for the Mercury Credit Card is simple. Source: Pexels.

You can apply online to get your card, but first, you’ll need to have received an offer and reservation code from Mercury letting you know that you have been pre-approved.

Once you have a reservation code, you can go online to the company’s website, search for the “Respond to Mail Offer”, enter the information asked, confirm the information already pre-filled, such as your name and address, and read through important information about the account. 

You should receive a decision instantly once you agree to the terms and finish your application. But, in some cases, Mercury may have an identity verification before approval.

Apply using the app

The Mercury Credit Card does not, at this moment, offer application via app.

But the company does have an app that is very well-liked, where you can manage your Account & Pay your Bill. This means that you can usually pay your bill online on your phone and manage your transaction history in an easy and fast way.

Mercury credit card vs. American Express Gold credit card 

But if you are still not sure about the best option for you, don’t worry! Check out the differences between Mercury and American Express Gold, and choose the credit card that best suits your financial needs!

Mercury credit card American Express Gold card
Credit ScoreFair (580 to 669)Good (690) to excellent (850)
Annual Fee$0 to $79$250
Regular APR26.99%–29.99% Variable15.99% to 22.99% variable APR
Welcome bonusN/A60,000 MR points after spending $4,000 on eligible purchases in the first 6 months
*Terms apply
RewardsN/A3 points per dollar spent on flights booked with airline or Amex Travel
4 MR points per dollar spent at restaurants
4 points per dollar spent at supermarkets (U.S.) on $25,000 in purchases every year
1 point per dollar spent on all other eligible purchases
$120 Uber Cash on Amex Gold
$120 on dining credit, and more
* Terms apply

Apply to American Express Gold Card

If you are very close to deciding if you want to get the American Express Gold Card, here is some important information to help you with the process.

About the author  /  Izabela Bonzanini

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