Reviews

Mercury Mastercard Credit Card full review

If you are looking for a credit card to improve your finances, having a variety of features such as low interest rates, zero liability and much more, this card might the perfect fit. Check you our Mercury Credit Card review!

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Mercury Credit Card

Cartão Mercury fundo branco
Check out the Mercury Credit Card review! Source: Mercury Cards.

If you’re looking for a credit card with no annual fee and low-interest rates and you want to rebuild or even build your credit, the Mercury Credit Card might be the perfect option for you, and you’ll learn all about it in this review!

So, if your credit score is less than perfect, the Mercury Mastercard could be a good option because it doesn’t have any harsh restrictions like high-interest rates or late payment fees.

There are no annual fee and no foreign transaction fees when you use your Mercury Credit Card abroad. So, if you’re looking for a card that gives you flexibility and value, the Mercury Credit Card is definitely worth considering.

So if you’re interested in learning more about this card, keep reading! In this article, we’ll go over all of the details about the Mercury Mastercard’s benefits and drawbacks so that you can decide whether or not it’s right for you.

Credit ScoreFair (580 to 669)
Annual Fee$0 to $79
Regular APR26.99%–29.99% Variable
Welcome bonusN/A
RewardsN/A
Logo Mercury fundo branco

How to apply for Mercury Credit Card?

If you want to build credit, Mercury Credit Card may be the perfect option for you! Learn how to apply to a card with low interest rates!

How does Mercury Credit Card work?

Check out how this card works. Source: Pexels.

The Mercury Mastercard, issued through First Bank & Trust of South Dakota, is an unsecured card with no annual fee, designed to help those who want to boost their score. The card provides monthly access to your FICO score. 

Plus, you can benefit from the global acceptance of Mastercard, which means you can shop at more than 40 million merchants all around the world. You can use your Mercury card wherever you are, as long as Mastercard is accepted.

Interest rates with this card may be high, but paying off your balance each month can help set you up for success in building credit.

Mercury Credit Card pros and cons

Now, learn more about the pros and cons of the Mercury card and find out if it is the best option for your financial needs and goals!

Pros

  • No annual fee
  • Have free access to FICO score
  • It reports to all three main credit bureaus
  • $0 Fraud Liability in case your card is stolen or lost

Cons

  • No rewards and bonus
  • Foreign transaction fee of 3% of the transaction cost in U.S. dollars

My credit score needs to be good?

The Mercury Mastercard is an excellent way for those with average credit to boost their score, so you don’t have to be in perfect standing before applying.

The credit needed is fair (580 to 669).

Want to apply for Mercury Credit Card?

Mercury offers some of the best terms and conditions of any credit card on the market. Whether you’re looking for a great introductory APR offer, rewards, or simply a low-interest rate, Mercury has something to offer everyone.

You can only apply for the Mercury card if you are pre-approved and have a reservation code from the issuer: the company uses data from credit bureaus to send the pre-approved offers.

To begin the application process, you’ll have to enter the reservation code provided. 

You can also check your approval status to see if you have already been pre-approved or in case you lost your code.

And if you want to know more details about the application process, check out our post below!

Logo Mercury fundo branco

How to apply for Mercury Credit Card?

If you want to build credit, Mercury Credit Card may be the perfect option for you! Learn how to apply to a card with low interest rates!

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