Mercury™ Mastercard® Credit Card Review

Mercury™ Mastercard® from First Bank & Trust — all information about the credit card.

Mercury™ Mastercard® First Bank & Trust
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Our Rating:
2.22 out of 5
scorer
Recommended credit score
Fair (580-669)
  • Rewards Rate:
    • 1x Point per $1 spent on qualifying purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0 - $79 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    29.99% Variable
  • Balance Transfer APR:
    29.99% Variable
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First Bank & Trust Mercury™ Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
1X
All purchases
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How would you like to redeem points?
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All benefits

  • Points
    • 1x On qualifying purchases.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 29.99% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 29.99% Variable
  • APR for Cash Advances
    • 29.99% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 23 days after the close of each billing period. You will not be charged interest on Purchases if you pay your entire balance by the due date each month. You will be charged interest on Cash Advances and Balance Transfers on the transaction date.

Fees

  • Annual Fee
    • $0 - $79 annually
  • Fees for Balance Transfer
    • Either $5 or 4% of the amount of each Balance Transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each Cash Advance, whichever is greater
  • Return Payment
    • Up to $41
  • Late Payment
    • Up to $41
View all Rates & Fees

Pros & Cons

Pros:
  • Mastercard® Worldwide Acceptance
  • Free FICO Score
Cons:
  • High APR
  • Extra Fees

Features

Classic
Mastercard
  • Fraud Protection
  • Bonus points
  • Free Credit Score
  • Purchase Protection
  • Fair Credit

About the issuer

First Bank & Trust has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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Recommended credit score
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  • 0% Introductory APR for the first 15 months that your account is open
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Recommended credit score
score
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  • $75.00 for the 1st year, $48.00 after
    Annual Fee
  • 35.99%
    Regular APR
  • 1%
    Earn 1% cash back rewards on payments made to your First Access Credit Card.
  • None
    Purchase Intro APR
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See Another Credit Cards in the Bank

First Bank & Trust Mercury™ Mastercard® is an option for those, who need Classic features. With an APR of 29.99% and $0 - $79 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair (580-669) credit score. With First Bank & Trust Mercury™ Mastercard® you will get such features as Fraud Protection, Bonus points, Free Credit Score, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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