Credit Cards
Mercury Mastercard Credit Card 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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Note: Some information in this post might be outdated. For the most current documentation and updates, please refer to the product’s original page.
Mercury Credit Card

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 Score | Fair (580 to 669) |
| Annual Fee | $0 to $79 |
| Regular APR | 26.99%–29.99% Variable |
| Welcome bonus | N/A |
| Rewards | N/A |
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How does Mercury Credit Card work?

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?
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.
Apply online

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 Score | Fair (580 to 669) | Good (690) to excellent (850) |
| Annual Fee | $0 to $79 | $250 |
| Regular APR | 26.99%–29.99% Variable | 15.99% to 22.99% variable APR |
| Welcome bonus | N/A | 60,000 MR points after spending $4,000 on eligible purchases in the first 6 months *Terms apply |
| Rewards | N/A | 3 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.
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