Mercury IO Card
Mercury IO Card is a digital bank / neobank issued on Mastercard, rated 7.6/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Mercury IO Card is the strongest fit for all-rounder and ad spend, and asks for ID + proof at signup — we carry it at low risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Mercury IO Card · Digital Bank / Neobank |
| Official site | https://mercury.com |
| Best for | All-rounder · Ad spend |
| Network | Mastercard |
| Rating | 7.6/10 (4.0★, 413 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Free |
| Monthly / annual fee | Free ($0 annual fee) |
| Top-up (deposit) fee | N/A (spends from Mercury account) |
| FX / conversion fee | 0% (USD); 3% (non-USD card transactions) |
Verification and risk
| KYC required | Yes (Mercury account verification) |
| Risk level | Low |
| AVS check | Yes |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | No (fiat USD card) |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Multiple |
Billing
| Billing address | Business |
| Billing country | United States |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes |
| Meta / Google Ads | Yes |
| AI tools noted | Yes |
What the issuer states on its own site
- Earn 1.5% cashback on credit card spend, and control team expenses with cards, reimbursements, limits, and approvals all in one place.
- Level up your personal finances with 3.50% APY on your savings account, joint accounts, unlimited free USD wires, and more.
Source: https://mercury.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 517431 | Mastercard | United States | Debit | 338 | 245 | 72.5% |
We logged 245 cleared charges out of 338 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Mercury IO Card cost to run?
The cost lines stack like this: issuing the card is free; there is no monthly fee on the entry tier; top-ups cost N/A (spends from Mercury account); conversion is priced at 0% (USD); 3% (non-USD card transactions). Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Mercury IO Card?
Mercury IO Card asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (Mercury account verification)
How can I fund Mercury IO Card?
You can fund it with bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Mercury IO Card need?
Setting it up: the billing address type is Business; cards are issued against United States; an AVS check is applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Mercury IO Card work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, Netflix and Spotify, the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Mercury IO Card trigger 3-D Secure?
Yes. Mercury IO Card supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Mercury IO Card?
Mercury IO Card allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple. Multiple numbers under one account is the practical pattern here, so a single merchant block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.