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IO card

The business credit card that scales with you

Unlock unlimited 1.5% cashback and build business credit from day one if you're eligible — then grow your spending power and equip your team with cards as you scale. Exclusively for Mercury account holders.
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The IO Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated.

A card for day 1 to day 1,000 — and beyond

1.5% cashback on all spend

Easy and straightforward rewards.

Limits that scale with you

Unlock more spending power as your balance grows with limits based on cash balances.

Access on day one for eligible orgs

Start with daily payments, then unlock higher limits and monthly payment schedules with a 15K balance.

Build business credit

Automatic reporting to major credit bureaus.

Expense management tools

Invite your team and issue cards with built-in controls that help you scale spending safely.

No personal guarantee

Access IO with zero impact to your personal credit.

Scale confidently with powerful spend management tools

Physical IO card with virtual cards in the background

Cards for your team

Issue as many cards as needed — individually or in bulk with our HR and payroll system integrations.

Accelerate your growth with the IO Mastercard

Increase cash flow with automatic cashback

  • Unlimited 1.5% cashback on all spend

  • Automatically deposited into your account

  • No confusing points system

  • No manual redemption

IO credit card highlighting 1.5% cashback

Easy to access, flexible to scale

  • Limits are based on your total balance in Mercury

  • Get higher credit limits as you grow and connect external accounts for even higher limits

  • Start spending immediately with virtual cards

Bar chart showing IO credit limit higher than traditional banks

Get time back with built-in finance automations

  • Sync transactions to QuickBooks, Xero, and NetSuite

  • Automate categorization with accounting rules

  • Let AI automatically code your transactions and expenses

There’s more to IO

  • No interest or annual fees
  • Mastercard Zero Liability and Fraud Protection
  • Discounts on tools like Microsoft and Adobe
  • Can help improve your business credit score
  • Support when you need it

Just one part of Mercury’s full financial platform

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Business Banking

Checking and savings accounts with up to $5M in FDIC insurance through our partner banks and their sweep networks.

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Treasury

Earn yield on idle cash right alongside your operating accounts.

Expense management notifications

Expense Management

Experience hassle-free employee expense management with corporate cards and reimbursements together.

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Venture debt

Supercharge your growth and extend your runway with Mercury Venture Debt.

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Startup perks

Get discounts on hundreds of popular tools, including AWS and Google Cloud.

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SAFEs

Easily create and manage SAFEs right inside Mercury, plus potentially save money on legal fees.

If you have questions, we have answers

See all FAQs

To access IO, you’ll first need to apply for a Mercury account. Once your account is open, you may be eligible for IO immediately — there’s no separate application.Your IO eligibility and credit limit are based on your total balances with Mercury.New customers with lower balances can start using IO right away with daily repayment terms.Once your balances reach $15K, you can switch to 30-day repayment terms.We do not run a credit check during the IO sign-up process, so your personal credit score will not be considered or affected.If you are a current Mercury account holder, go to the Credit Card section in your Mercury dashboard to find out if you are eligible for IO.

When you spend with IO, you’ll earn unlimited 1.5% cashback on every purchase. You can use IO anywhere that accepts Mastercard credit cards. Your cashback will be automatically deposited into your account once you pay your balance.

Your IO credit limit is based on the total balances you hold with Mercury — and also on any external bank accounts you choose to link. This helps us understand your financial position more fully and extend a limit that scales with your business.Your limit might increase as your Mercury balance increases, but your credit limit may also decrease. Currently, we reassess your business limit following large withdrawals and deposits. Learn more.

Like most business credit cards on the market, IO is a charge card, which means that you will need to pay off your full IO balance every pay period. How often you repay depends on the size of your balance.
  • Daily repayment: New customers with lower balances start on daily terms. Your balance will automatically be paid off each business day.
  • Monthly repayment: Once your balances reach $15K, you can switch to 30-day repayment terms. We’ll deduct your full balance automatically each month from your chosen Mercury account.
You can always pay off your balance early, too — in full or in part. If you do, cashback is credited in proportion to the amount you paid.

We don’t charge annual fees on IO cards, and because you’ll pay off your IO card automatically based on your autopay schedule, you won’t incur any interest. However, we do charge an international transaction fee on non-USD IO card transactions. Note that this fee won't be returned, even if your original transaction is refunded.Customers have the option to select a paid Mercury plan (starting at $35/month). IO card features are free to use, though if you want to use our enriched NetSuite accounting automations to sync your IO card transactions to NetSuite, you’ll have to upgrade to a paid plan. QuickBooks and Xero enriched automations, as well as the ability to import bank feed connections across QuickBooks, Xero, and NetSuite, are free. Learn more about pricing.

IO has a suite of expense management features to help you scale your team and grow your business, with confidence and control.
  • Issue physical or virtual cards to your team, either individually or in bulk with our HR and payroll system integrations.
  • Grant card-only access to team members to control who can view your account details.
  • Set custom daily, weekly, or monthly spend limits for individual team members, as well as custom card expiration dates.
  • Create cards locked to specific merchants (from our list of over 1,000 merchants) with custom spend limits on those merchants, or enable company-wide merchant and category restrictions.
  • Set up company-wide spend policies requiring employees to upload receipts or add notes for card transactions above a specified amount.
  • Upload or email receipts to Mercury and we’ll automatically match them to the right transaction.
  • View your company's debit and credit card subscriptions in one place, and get notified about new or duplicate subscriptions.

IO is part of Mercury’s suite of banking products and credit cards for ambitious companiesOpens in new tab. Your Mercury account comes with:
  • Checking and savings accounts with up to $5M in FDIC insurance through our partner banks and their sweep networks.
  • Treasury management with up to 3.91% yield
  • Debit cards, and credit cards for eligible customers
  • Reimbursements for out-of-pocket expenses
  • Expense management features to control your team’s spend
  • ACH, check, and wire transfer payments
  • Zero fees on any payments made in USD
  • Access to venture debt and our Investor Database
Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

Yes, using IO may help your company establish a strong credit history and improve your business credit score. Mercury reports IO payment history to Experian, Equifax and Dun & Bradstreet, three major business credit bureaus. Reporting your IO payments can help your company establish a strong credit history, improve your credit score, and open doors to more opportunities for growth and financing.

The IO Card is a business charge card, which is a type of credit card that requires the full balance to be paid each month. Your spending limit is determined based on the total balances you hold in your accounts through Mercury and also on any external bank accounts you choose to link. Unlike revolving credit cards, which let you carry a balance and pay interest on any outstanding balance over time, the IO Card doesn’t accrue interest or allow revolving debt.

Ready, set, grow

Start spending – and growing – with credit cards available to Mercury account holders.
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Disclaimers and footnotes

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. Deposit insurance covers the failure of an insured bank.

  1. The Mercury Debit Cards are issued by Choice Financial Group and Column N.A., Members FDIC, pursuant to licenses from Mastercard®. The IO Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

  2. The IO Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Eligible customers can access the IO card on day one of opening a Mercury account, limitations applyOpens in new tab.  Cashback is automatically credited to your linked checking account when your monthly repayment is processed. If you make an early payment (full or partial), you’ll receive cashback proportional to the amount paid. Your Mercury accounts must be open and in good standing to receive cashback. Cashback rewards may be forfeited if your account is closed or pending closure based on a violation of any applicable terms. Mercury may modify or terminate the cashback program at any time, and any promotional offers or other changes will be communicated by email or on our website. If you have questions about your cashback, please contact Mercury at help@mercury.comOpens in new tab.

  3. Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. Deposit insurance covers the failure of an insured bank.

  4. Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. FDIC deposit insurance covers the failure of an insured bank. Deposits in checking and savings accounts are FDIC-insured through Choice Financial Group and Column N.A. and their Sweep Program Network Banks. Certain conditions must be satisfied for pass-through FDIC insurance to apply. Learn more here.

  5. Mercury Treasury earns up to 3.91% yield annually, based on the 30-day Effective Yield for MCRYX as of 09/18/2026, and assumes total Mercury deposits of $20M+. Treasury accounts carry an annual fee of 0.15%–0.60% based on total Mercury balances.

    The 30-Day Effective Yield is an annualized net yield assuming dividends are reinvested at the average 30-Day rate for a full year. The 30-Day Effective Yield differs from the 30-Day SEC yield. The 30-Day Effective Yield for MCRYX is net of fees and reflects fee waivers from Morgan Stanley Investment Management. Fee waivers may be reduced or discontinued. Absent fee waivers, yields would have been lower. MCRYX has a floating NAV, is not a money market fund, and carries principal risk. Yields fluctuate, can decline, and are not guaranteed. Past performance is not indicative of future results. 

    Mercury Treasury is offered by Mercury Advisory, LLC, an SEC-registered investment adviser ("Mercury Advisory"). This communication does not constitute an offer to sell or the solicitation of an offer to buy any security. All Brokerage and Clearing services are provided by, and securities are offered through Apex Clearing Corporation, a wholly owned subsidiary of Apex Fintech Solutions Inc., an SEC registered broker dealer, member of FINRA and SIPC, licensed in 53 states and territories. FINRA BrokerCheck reports for Apex Clearing Corporation are available at: http://www.finra.org/brokercheck. Treasury accounts are not FDIC insured, are not bank deposits, and are not guaranteed by Choice Financial Group or Column N.A., and may lose value. Please review Mercury Advisory's ADV Wrap Fee Brochure and full disclosures for more detail. Mercury Advisory is a wholly-owned subsidiary of Mercury Technologies, Inc.

  6. The IO Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated.