Mercury® Mastercard® by First Bank & Trust

Unlike many secured cards, the Mercury Mastercard is unsecured—meaning no deposit is needed to get started.

Credit Card

Mercury® Mastercard® by First Bank & Trust

No security deposit required High APR

Reports monthly to major credit bureaus

How to Apply You will remain on this website.

The Mercury Mastercard by First Bank & Trust was built with one clear mission: to help people regain access to credit without the high barriers and upfront costs that most traditional cards require. 

Whether you’re rebuilding your financial life or simply need a straightforward card to manage expenses, this product delivers a no-nonsense approach with real accessibility.

For many consumers who have struggled with credit in the past, that alone makes this card stand out. It’s a practical tool that doesn’t promise luxury, but delivers dependability.

This card doesn’t rely on bonus points or fancy perks to grab attention. It sticks to the basics: access, flexibility, and a real chance to improve your credit health with responsible use.

What makes the Mercury Mastercard unique

While many entry-level credit cards are secured, requiring a large upfront deposit, the Mercury Mastercard offers an unsecured alternative for people with fair or limited credit. 

You don’t need perfect history to qualify, and there’s no need to risk your savings just to be considered.

In addition, cardholders have access to an intuitive mobile app, free FICO score tracking, and helpful tools to stay on top of their payments. It’s simple, but functional—and sometimes that’s exactly what’s needed.

Pros and Cons

Pros

• No security deposit required
  
• Reports monthly to major credit bureaus
  
• Pre-qualification available without affecting credit score
  
• Mobile app for payment management and credit score tracking
  
• No hidden fees or complex structures
  

Cons

• No rewards or cashback offered
  
• High APR for carried balances
  
• Pre-screened offer required for application
  
• Limited travel or purchase protections
  
• No guaranteed credit limit increases
  

How do I know if the Mercury Mastercard is the best credit card for me?

This card is best for those who have been turned down elsewhere or are looking to rebuild credit without needing to put money down. If you want something simple that helps you improve your score and manage spending, Mercury makes that possible.

It’s not a card for points, miles, or travel perks—but it’s a strong tool for getting your finances back in shape.

Why do we like this card?

We like this card because it knows its purpose and delivers on it. It’s not about extras—it’s about access. For anyone needing a path back into the credit system without upfront hurdles, this card gives you a clean, supportive start.