Mercury IO: Business Credit Card For Startups & Small Businesses

2 min read Original article ↗

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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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

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

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

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

Just one part of Mercury’s full financial platform

Business Banking

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

Treasury

Earn yield on idle cash right alongside your operating accounts.

Expense Management

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

Venture debt

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

Startup perks

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

SAFEs

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

If you have questions, we have answers

Ready, set, grow

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