MastercardMercury IO Mastercard
1.5% on everything for companies that already bank with Mercury.
Welcome Bonus
None
No public welcome offer
Spend Requirement
None
Annual Fee
$0
No FTF
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.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1.5xAll settled purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦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 matches the rate without the deposit relationship. A banking perk done well rather than a destination card.
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