Last Updated: 07/28/2025
SuperMoney User Recommendation Score -56
Strongly not recommended9 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
27.24% - 29.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
27.24% - 29.24%(Verified 06/21/2024)
Credit Score Range
Starting at 640
Annual Fee
$0 - $79
Number of Reviews
Mercury Mastercard Review
This is a rewards card issued by Mercury Financial LLC. If you're wondering whether Mercury Mastercard is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 27.24% up to 29.24%.
- Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $79 for the privilege.
- $0 intro annual fee for the first year. Mercury Mastercard gives you the chance to have the card for a year without paying the $0 annual fee.
- A 4% balance transfer fee. Mercury Mastercard charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Mercury Mastercard
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Mercury Mastercard FAQ
Does Mercury Mastercard have a cash back or rewards program?
Mercury Mastercard is a rewards card.
| Description |
Does Mercury Mastercard have a signup bonus?
This card doesn't offer a cash signup bonus.Does Mercury Mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Mercury Mastercard benefits?
Mercury Mastercard provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Mercury Mastercard?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Mercury Mastercard has a variable purchase APR that ranges from 27.24% up to 29.24%. The card has a variable balance transfer APR that ranges from 27.24% up to 29.24%. It also has a variable cash advance APR that ranges from 27.24% up to 29.24%.
Does Mercury Mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Mercury Mastercard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Mercury Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 - $79 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $0 up to $79.
There is a late fee of up to $40 . Does Mercury Mastercard have a foreign transaction fee?
Mercury Mastercard charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Mercury Mastercard?
The customer service number for Mercury Mastercard is (844) 303-5355.
What is the support contact email for Mercury Mastercard?
The support contact email for Mercury Mastercard is partnerships@mercuryfinancial.com.
What is the login page for Mercury Mastercard?
You can access the login page of Mercury Mastercard here.
How do people rate the customer service and user experience of Mercury Mastercard?
Overall, Mercury Mastercard is strongly not recommended based on community reviews that rate customer service and user experience.
Does Mercury Mastercard report your account activity to credit bureaus?
Yes, Mercury Mastercard reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Mercury Financial LLC perform a hard credit pull?
Yes, Mercury Mastercard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Mercury Mastercard
- Visit the website of Mercury Mastercard.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
Headquarters
11401 Century Oaks Terrace
Austin, TX 78758
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed