The Mercury IO cashback program is refreshingly simple: 1.5% back on everything, with no categories, no caps, and no annual fee. Here is exactly how the cashback works and how to maximize it.
💰 Earn 1.5% Back With Mercury IO
Open Mercury, get the IO card, and earn 1.5% unlimited cashback — plus up to $375 in welcome bonuses.
How the 1.5% Cashback Works
Every purchase on the IO card earns 1.5% cashback, credited automatically to your Mercury account. There are no rotating categories to activate and no spending caps to worry about — what you spend is what you earn back.
How to Maximize It
- Run recurring business expenses (software, ads, supplies) through the IO card.
- Issue team cards so all company spend earns cashback in one place.
- Hit $10K in spend within 90 days to also unlock the extra $100 welcome bonus.
Requirement to Keep Earning
To receive cashback, your Mercury accounts must be open and in good standing — not suspended, restricted, past due, or in default.
FAQ
Is the 1.5% capped?
No cap — 1.5% on unlimited spend.
How do I redeem cashback?
It is credited automatically to your Mercury account; no manual redemption needed.
Start Earning 1.5% Cashback
No categories, no caps, no annual fee. Open Mercury and put your spend to work.
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.