Mercury CardReviews of mercurycards.com

Mobile app is easy to use. Having a credit card now makes things easier.

I love my Mercury Card! The Credit Line increases they provide have been so helpful!

I paid off my balance of $2800 on a $6000 credit limit on August 5, 2026. I just called customer service to find out why my credit limit isn't showing $6000 available. She said because I paid such a large amount at once they hold the payment for 14 days. Are you kidding me? You took the money from my bank account, but your holding it for 14 days before releasing it to the available credit amount. Thats unethical. Also, avoid this card due to the rediculiously high interest rate of 33%. Their minimum monthly payment is rediculious as well. Any of my other cards average $35 to $50 on a balance of, let's say, $3000. They say the minimum payment will take 10 years to pay off the balance with no other charges. But if you pay, let's say, $45 your balance will be paid off in 3 years. I always double the minimum payment for my cards so they are paid off in less then the three years. With this card your minimum payment on a $3000 balance is around $120. If you just pay the minimum it will take 20 years to pay off. If you send $150 it will pay off in 3 years. If you are trying to build your credit back up I get your going to pay higher interest rates. But 33% is nuts. This bank is more like taking a loan from a loan shark and you will be perpetually in debit to them because of the way they treat you. If you want to rebuild your credit try Credit One, or obtain a secured credit card from your bank.

Used it with other lines of credit to build my credit no push my score. After 2 years of o time payments and always paying the annual fees I got tired of wasting my money when I had a zero balance they still want money every month plus the annual 60$ a year. In total with a zero balance I payed about $200 a year for the credit. Closing my account 2 years later. The hidden fees and delinquent payments of $1.50 a month for 3 months took almost 70 credit points of my score. Don’t get this card this company has terrible customer service also. I’d give a Zero if I could.

I had this Card for 4 years, then they start charging 49.99 for annual usage of the card. They didn`t inform me of this charge and wouldn`t would not refund my money!!!!

These people are insane. I called and cancelled my card. They gave me an amount I paid it. Now they say I owe .09 cents. That right and they refuse to take it off. They made me make a payment for the .09 cents.

If I could review with a negative star, I would! Never had an annual fee on this card, that’s why I signed up for it, then they charge an annual fee without my approval and consent! I paid it off and canceled the card then three days later they charged me the annual fee! Cannot get ANYONE to call me or email me back after a year! No reply at all! The worst customer service ever! Supervisors must be non existent as they won’t respond to any claims I’ve opened! And I’ve opened multiple claims with no response! This is the biggest hassle card ever! Charging people costs they didn’t approve and agree to is fraud!

Unexpected annual change fee, shut down the card at the same day once I found out about, never use Mercury!