What is the Mercury IO card? It is the business credit card built into Mercury‘s banking platform, offering 1.5% unlimited cashback with no annual fee, available from day one of opening a Mercury account. Here is a plain-English explainer.
💳 Get the Mercury IO Card
Open Mercury and access the IO card on day one — 1.5% cashback, no annual fee, plus up to $375 in bonuses.
The Basics
The IO card is a Mastercard issued by Patriot Bank, N.A. It is designed for businesses that already bank with Mercury, letting you earn cashback on expenses while managing everything — banking and cards — in one dashboard.
Key Features
- 1.5% unlimited cashback on all purchases.
- $0 annual fee.
- Virtual + physical cards for your team.
- Spend controls and real-time tracking.
- Available day one of opening Mercury.
How It Differs From a Personal Card
Unlike a personal credit card, the IO card is built for business expense management — team cards, per-card limits, and clean bookkeeping that syncs with your accounting tools.
FAQ
Is the Mercury IO card a credit or debit card?
It is a business charge/credit card tied to your Mercury account, separate from your debit card.
Do I need Mercury banking to use it?
Yes — the IO card is part of the Mercury platform. Opening a Mercury account gives you access.
Start With Mercury + IO Today
Simple 1.5% cashback for your business, available immediately. Open your account now.
Affiliate disclosure: We may earn a commission if you open a Mercury account through links on this page, at no cost to you. Mercury is a financial technology company, not a bank; the IO Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard. This is not financial advice.