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How To Find Mercury Credit Card Login

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Mercury Credit Card

The Mercury Credit Card is a credit card that offers rewards and perks to customers. It is a MasterCard, so it can be used anywhere. The card has no annual fee and offers 2% cash back on all purchases. It also provides concierge service for travel arrangements and other services like car rentals, ticket purchases, and event tickets. You also get an additional 5% cash back on purchases made at restaurants, grocery stores and wholesale clubs.


•No annual fee

•2% cash back on all purchases

•5% cash back on purchases at restaurants, grocery stores, wholesale clubs and more

•Free concierge service


•Low credit limit – you only start with $500 in credit

How do I activate my credit card?

To activate your card, the following information is needed:

  • Visit and click Activate.
  • Have your card number ready.
  • Last 4 digits of your SSN.
  • Your birth month and year.
  • Click Proceed.

Is Mercury a real credit card?

Yes, it is a real credit card owned by a bank. It will report your credit activity to Equifax, Experian and Transunion. Many people receive this credit card offer in the mail with a reservation code.

What bank owns Mercury credit card?

The Mercury credit card is owned First Bank & Trust, an FDIC insured member with an A+ rating according to the Better Business Bureau.

What credit bureau does Mercury MasterCard pull from?

Your credit will be pulled from Equifax, Transunion and Experian. All scores may be differ. However, this allows for a company to see your average score or FICO.

Does Mercury card Give credit increases?

Yes, but you can not request a limit increase. To accomplish this, you must make your payments on time for at least 6 months or more. Showing the issuer your trustworthy will allow for consideration in limit increases.

What is the credit limit on a mercury card?

The average approval amount for first time users is $500. However, this decision is based on your score and credit history. Some users initial limit may be higher.

Does mercury credit card do a hard inquiry?

Initially there is a soft pull for information verification. If you decide to accept a preapproval offer, then a hard inquiry occurs. The reason behind this is to check updates on your credit report within the last 30 days.

Can I use my mercury credit card at an ATM?

Yes, you can use your card wherever MasterCard is accepted. Some ATM machines may charge transaction fees.

Is it easy to get a mercury credit card?

You need to have a credit score ranging between 580 - 640 to receive an offer. If your score is below this, there are other cards available to rebuild your score.

Is there an app available?

Yes, you can login to your Mercury credit card account on both Android or IPhone. Check your balance, pay a bill, redeem points or download statements.

Is this card secured or unsecured?

The Mercury MasterCard is an unsecured credit card.

Difference between unsecured and secured credit cards?

An unsecured card is different from a secured card in that it does not require collateral. The holder of an unsecured card is not required to put down any money for the card and does not need to prove their income or assets. Unsecured cards can be issued with limits as low as $500, whereas secured cards generally have higher limits.

Secured cards are often marketed as "safer" than unsecured cards because they require the cardholder to put down collateral and prove their income or assets. However, this is only true if the secured credit limit is high enough to cover all transactions made with the card, which may not always be the case. Users who have been denied for an unsecured card are more likely to signup for secured cards.

Can I cancel my credit card?

Please make sure you have paid your balance off before doing so. An unpaid balance can result in a charge off. This can damage your credit and prevent you from being approved for other unsecured cards.

How do I contact customer service?

You can visit the website, login to app or call 833-766-4844. Payment by phone and customer service is available 24 hours a day.

What are the fees?

Here are a breakdown of the fees:

  • Late fee - $40.
  • Cash Advance fee - 5% ( min of $10).
  • Cash Advance APR 27-29%.
  • Foreign Transaction fee - up to 3%.
  • You have a grace period of 23 days.

What is the payment address?

Please make sure to include you full name and the last 4 digits of your account number:

Card Services

P.O. Box 70168

Philadelphia, PA 19176-0168

Can I add an authorized user?

Yes, you can. Please contact customer service or add user doing the signup process.

What is an authorize user on a credit card account?

An authorized user for credit cards is someone who is approved to use the account but does not have ownership of it. They can make purchases and pay the account holder back for them.

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