Mercury IO Mastercard
By Alex Compton · Last verified
1.5% on everything for companies that already bank with Mercury.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
Business
financials, no personal guarantee
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo public welcome offer | Archive record · no attached snapshot |
| 2025-06 | $0 | No recorded spend | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 1.5xAll settled purchasesCash back deposits to your Mercury account monthly
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦No personal guarantee or personal credit pull
- ✦Most US businesses qualify from day one with Mercury
- ✦Higher limits and flexible payment schedules unlock at $15,000 in Mercury balances
- ✦Unlimited virtual cards with spend controls
Why it earns its spot
- +Flat 1.5% with no category tracking
- +Tight integration with Mercury banking, all in one dashboard
- +Builds business credit history from day one
Where it costs you
- −Requires a Mercury account; the card is a banking add-on, not standalone
- −Limits are tied to your deposit balance
- −No category bonuses for travel-heavy spenders
The Compound Verdict
If your startup already banks at Mercury, taking IO is close to free money: 1.5% on everything with no fee and no personal guarantee. If you bank elsewhere, the card alone is not a reason to switch since Ramp offers a similarly simple no-guarantee alternative, though its actual reward rate is account-specific. A banking perk done well rather than a destination card.
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