Mercury Cards

What the Mercury Cards app is for

The Mercury Cards app is a phone companion for holders of a Mercury credit card. The listing describes it as a way for cardmembers to handle their card and their credit from a phone, and it is free to download.

Its features are built around an existing Mercury card account, so the people it addresses are cardmembers who want to pay, track and adjust their account while away from a computer.

Paying down a Mercury card balance

Smart Spot works out a payment amount for the cardmember based on their account, which the listing presents as a way to save money and time on the balance. Scheduled and split payments let a cardmember break what they owe into several smaller payments across the month instead of one lump sum.

Easy Pay sets up automatic monthly payments. The listing says this helps the cardmember avoid late fees.

Checking your FICO Score and setting credit goals

The app shows the cardmember's FICO Score, which the listing says can be monitored at no cost. Users can also create goals to follow over time.

Personalized tips are offered with the aim of improving credit, so the score and the goals sit side by side in one place.

Watching transactions and changing account settings

Transactions and the account balance update in real time, so a cardmember can see recent charges as they post. The app also lets cardmembers manage authorized users, linked bank accounts, the way statements are delivered, travel notifications and alerts.

Taken together, these settings cover most of what a cardmember would otherwise change through the card account itself, including who else can use the card and how statements reach them.

Paying with Google Pay and calling customer service

The card can be added to Google Pay, which the listing presents as a convenient way to pay with the phone. Customer service is reachable through a one-touch dial option inside the app.