Credit Cards
Every purchase pays
you back.
Earn 3% cash back on groceries, gas, and dining. 1.5% on everything else. Zero annual fee. And a credit score boost every month you pay on time.
Apply Now — No Annual FeeMercuryFinance
•••• •••• •••• 4291
CARDHOLDER
ALEX JOHNSON
EXPIRES
09/29
Cash back earned
$84.20
This month
Credit Score
762
Excellent ↑
How MercuryFinance credit cards work
A credit card is a short-term loan. Use it wisely and it builds your credit score and earns rewards. Here's everything you need to know.
Make purchases — up to your credit limit
Your credit limit is the maximum you can charge. When you make a purchase, the bank pays the merchant and you owe the bank. Your available credit decreases and resets as you pay.
Earn cash back automatically on every transaction
Our card earns 3% cash back on grocery stores, gas stations, and restaurants — and 1.5% on every other purchase. Rewards are credited monthly with no caps, no activation, and no expiration.
Pay your statement — and watch your credit score rise
We report your payment history to Experian, Equifax, and TransUnion every month. On-time payments are the single biggest factor in your credit score (35%). Pay in full to avoid interest and maximize your score boost.
Zero fraud liability protects every purchase
If your card is ever used without your permission, you owe $0. Period. Our AI fraud system flags unusual activity instantly, and you can freeze or unfreeze your card from the app in one tap.
Tap to pay and virtual card numbers
Add your card to Apple Pay or Google Pay for contactless payments anywhere. For online shopping, generate a one-time virtual card number from the app to keep your real number safe.
Your cash back, calculated
Based on average U.S. spending, MercuryFinance cardholders earn over $900/year in cash back.
Groceries & Gas
$600/mo avg spend
Dining
$300/mo avg spend
Everything Else
$800/mo avg spend
Total estimated cash back
$468/year
Based on example spending above. Your results may vary.
Apply for your MercuryFinance card today
Decision in under 60 seconds. $0 annual fee. No impact to your score to check your rate.
Apply Now — $0 Annual Fee