How to Activate Your Mercury Credit Card?


Becoming a new Mercury Credit Card cardholder is exciting, however as with nearly all credit cards before you’re able to start using it for purchases and transactions, you’ll need to activate it.

This Mercury card activation guide will walk you through the process, ensuring you’re ready to enjoy all the benefits of your new Mercury card has to offer.


Activating Your Mercury Card


Activating your Mercury Credit Card is a crucial step that allows you to access the features and rewards it offers. So if you’re a brand new holder of Mercury Credit Card or have requested a replacement card, the activation process is straightforward and can be completed through various methods as outlined below.


Online Activation at the Mercury Cards Website

  1. Visit the Activation Page: Head to on your desktop or mobile phone.
  2. Provide Card Details: Enter your full 16-digit card number, the last 4 digits of your social security number, and the month and year of your birth.
  3. Proceed and Verify: Click ‘Proceed’ to move to the next page, where you’ll verify further information.
  4. Complete Activation: Fill in the remaining required details and click ‘Activate Card.’
  5. Immediate Use: Once your Mercury Credit Card is successfully activated online, you can start using it right away.


Mobile Activation via the Mercury Card App

  1. Download the App: Locate and download the Mercury Card App from the Apple app store or Google Play store.
  2. Access Activation: Inside the app, find the activation section found in the menu section.
  3. Enter Card Information: Input your full card number, the last 4 digits of your social security number, and your birth month and year.
  4. Proceed and Complete: Move through the steps, providing the requested information to finalize the activation.
  5. Activation Complete: Your Mercury Credit Card is now activated and ready for use.


Mercury Credit Card Phone Activation

  1. Dial (866) 686-2158: If you encounter issues with online activation or prefer phone activation, call (866) 686-2158.
  2. Enter Card Number: Follow the automated prompts and input your full 16-digit card number.
  3. Follow Steps: The automated system will recognize your need for activating your card and guide you through the necessary steps.
  4. Complete the Process: Provide all requested information to finish the activation.
  5. Ready to Use: Once activated, your Mercury Credit Card is ready for immediate use.


FAQs About the Mercury Credit Card

When will I receive my new card in the mail?

After your application is approved, your Mercury Credit Card should arrive in approximately 7-10 business days via mail.


How can I access my account online?

You can easily access your account by visiting There you will need to register or sign in if you have already registered for an online account.

How can I reset my account password?

You can change your password within the Profile area after logging in.

How am I charged interest?

You won’t be charged interest on purchases if you pay the new balance in full by the due date. For balance transfers and cash advances, interest applies from the transaction date until the total amount is paid.

What is my Annual Percentage Rate (APR)?

Existing customers can find their Annual Percentage Rate (APR) in the Pricing Schedule of the Cardmember Agreement or on their monthly billing statement. You can view a sample card member agreement here but you’ll want to request one from Mercury to know the exact terms of your account which will vary from the sample agreement.

What is my minimum payment each month?

Your minimum payment is based on your total balance at the end of each statement period and can be found on your monthly statement. You need to make sure to pay at least the minimum amount due by the payment due date shown on your billing statement in order to avoid penalties and extra interest charges.



Congratulations! You’ve successfully activated your Mercury Credit Card, opening the door to a world of financial possibilities. Whether you chose online activation, app activation, or phone activation, you’re now prepared to make purchases, enjoy rewards, and manage your finances with ease.

By following the activation steps outlined in this guide, you’ve ensured that your Mercury Credit Card is ready for immediate use. Don’t hesitate to take full advantage of the convenience and benefits that your activated card offers.