Mercury™ Mastercard® Credit Card Review
Mercury™ Mastercard® from First Bank & Trust — all information about the credit card.
Updated December 18, 2023
Apply now
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 Access Visa® Card
$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.
Apply now
On the First Access Visa® Card secure website
First Bank & Trust Mercury™ Mastercard® Rewards Calculator
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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
Pros & Cons
Pros:
- Mastercard® Worldwide Acceptance
- Free FICO Score
Cons:
- High APR
- Extra Fees
Features
- 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
Compare with other cards
Total Visa® Card
Recommended credit score
Rebuilding Credit to Fair (0-669)
- $75.00 for the 1st year, $48.00 afterAnnual Fee
- 35.99%Regular APR
- 1%Cash Back on all purchases.
- NonePurchase Intro APR
Apply now
On the Total Visa® Card secure website
Good credit score
Upgrade Cash Rewards Visa®
Recommended credit score
Fair to Excellent (580-799)
- NoneAnnual Fee
- 14.99% - 29.99%Regular APR
- 1.5%Cash Back on payments.
- N/A%Purchase Intro APR
Apply now
On Upgrade‘s website
Unsecured
FIT™ Platinum Mastercard®
Recommended credit score
No Credit History to Poor (0-579)
- See termsAnnual Fee
- 35.90%Regular APR
- This card doesn't offer cash back, miles or points.
- NonePurchase Intro APR
Apply now
On Continental Finance site
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.
Best for Low income
Upgrade Triple Cash Rewards Visa®
Recommended credit score
Good to Excellent (670-799)
- NoneAnnual Fee
- 14.99% - 29.99%Regular APR
- 3%Cash Back on Home, Auto and Health categories.
- N/A%Purchase Intro APR
Apply now
On Upgrade‘s website