Mercury credit card do not offer rewards or cashback programs. Instead, this card is designed to help individuals build or rebuild their credit scores. While they may not provide immediate cashback or rewards, using a Mercury credit card responsibly can have a positive impact on your credit history.

The time it takes to build a good credit score using a Mercury credit card or any credit card varies depending on your starting credit profile. If you’re starting with no credit or poor credit, it may take several months to establish a basic credit history, and it can take one to two years or more of responsible credit management to see significant improvements.

Mercury credit cards are often designed to cater to individuals with limited or poor credit, so they may have more lenient requirements compared to traditional credit cards.