This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 10 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
fees
10.0
rewards
0.0
cost
6.4
User Reviews
6.0
Other Features
10.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→30.24% - 30.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
30.24% - 30.49% (V)
annual fee
$0
rewards rate
None
minimum credit
Fair
WalletHub's Take: The Mercury Credit Card is an unsecured credit card for people with fair credit that could end up being decent or pretty bad, depending on the exact offer you get. The annual fee could be $0, and some people might get 1 point per $1 spent, but the standard offer does not include rewards.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 10 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
fees
10.0
rewards
10.0
cost
10.0
User Reviews
6.0
Other Features
10.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→14.99% - 29.99%
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
14.99% - 29.99%
annual fee
$0
rewards rate
1.5% Cash Back
minimum credit
Fair
WalletHub's Take: The Upgrade Card is a good option for people with fair credit who want to borrow money and build credit at a reasonable price. But if you plan to pay your monthly bills in full or you have good-to-excellent credit, there are better, more rewarding options available.
Pros
No membership fees
Qualify with fair credit
Cons
APR up to 29.99%
No grace period
Rewards Details
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
Earn 1.5% unlimited cash back on card purchases every time you make a payment
*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
Additional Info
Combine the flexibility of a credit card with the predictability of a personal loan
No annual fee
No touch payments with contactless technology built in
See if you qualify in minutes without hurting your credit score
Great for large purchases with predictable payments you can budget for
Mobile app to access your account anytime, anywhere
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 10 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
fees
10.0
rewards
10.0
cost
9.8
User Reviews
6.0
Other Features
9.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→18.24% - 32.24% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
18.24% - 32.24% (V)
annual fee
$0
rewards rate
1 - 1.5% Cash Back
minimum credit
Limited History
WalletHub's Take: The Petal® 2 Visa® Credit Card is a very good starter credit card for people with limited or no credit. The Petal 2 Visa Card is worth considering because it has $0 fees, rewards equal to 1 - 1.5% cash back on all eligible purchases, and monthly credit-bureau reporting.
Pros
No membership fees
No foreign fee
Qualify with limited or no credit history
Does not require security deposit
Cons
No rewards bonus
No balance transfers allowed
Rewards Details
Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
1% cash back on eligible purchases right away
2% - 10% cash back at select merchants
Additional Info
No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
Variable APRs range from 18.24% - 32.24%
$300 - $10,000 credit limits
No credit score? No problem. If eligible, we'll create your Cash Score instead.
See if you're pre-approved within minutes without impacting your credit score.
Build credit alongside hundreds of thousands of Petal card members.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 10 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
fees
10.0
rewards
0.0
cost
6.4
User Reviews
6.0
Other Features
9.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→30.49% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
30.49% (V)
annual fee
$0
rewards rate
None
minimum credit
Limited History
WalletHub's Take: The Capital One Platinum Credit Card is a good credit card for people with average credit or who are new to credit. It is worth applying for the Capital One Platinum Card because of its $0 annual fee and the fact that it reports account information to the 3 major credit bureaus each month. That’s all you need to build credit inexpensively. Just make sure to pay the monthly bills on time and keep your balance well below Capital One Platinum’s credit limit.
Pros
No annual fee
Available to people with limited credit
Free credit-score access
No foreign transaction fee
Cons
No rewards
High regular APR
No reduced introductory rates
Additional Info
No annual or hidden fees. See if you're approved in seconds
Be automatically considered for a higher credit line in as little as 6 months
Help build your credit through responsible use of a card like this
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Pros, Cons, & Details
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
The First Bank and Trust Company Credit Card Reviews
5
44%
4
6%
3
4%
2
6%
1
40%
3.0
118 reviews
118 reviews
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Kevin @kkgohawks
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1 Star Rating
Horrible customer service. Setup a settlement for my balance that was cancelled by Mercury WITHOUT my knowledge, now I've overpaid by hundreds of dollars and they still have an outstanding balance owed. Spoke to their collections dept in charge, only got as high as the "supervisor" obviously from some Asian country like the Phillippines. Apparently she has no one that can help me settle my account. Absolutely ridiculous. They even marked a LATE payment on my credit report which has damaged it big time. These people are HORRIBLE!! Don't ever get a Mercury card!!! Completely useless humans that barely speak english.
This is the worst company to have in your corner if you are frauded by a scammer. I've been battling being ripped off for $299 from a company called Techception & the Fraud Escalations Dept @ Mercury dragged their feet for 5 months & finally came back with no resolution. They let me lose my money! They do everything that they can to avoid helping you. There are better credit cards that have your back! They just don't care! Long hold times & 5 to 7 business days for a reply which is why I'm out 5 months from the initial scam! Now I have to get the Attorney General involved! Not giving up!
I went on credit karma 1st thing in the am and this card status was outstanding! I applied got approved now I’m waiting my 7-10 days I’m so happy for there opportunity freshly discharged out my chapter 7 I’m trying to get the rebuild started and due to Mercury they giving me my 2nd chance. Thank you ?
I have this card for two year in August 2021 to now my credit limit is always $1,500 I never get a credit increase every time I call up they always give me some excuses I always pay my bill on time,The customer service are very rude,
Hello. Try paying your balance on all your credit cards or loans down to 35% or under! A high balance even when paid on time can cause creditors, to think someone is a high risk of credit problems. They need us to show we can pay the credit back with no problem
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5
0
Kaletha @kalethan
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4 Star Rating
I just got a pre approval offer in the mail for zero annual fee and deposit, up to 2000 limit, and we'll basically no fees at all, plus 1% cashback (whoopty doo I know). The APR sucks, but it's a nice increase to add to my two Capital One cards (Platinum 500 limit/Walmart rewards 300 limit). So kudos to them for giving me a chance after filing bankruptcy last year and with 633 TransUnion, 604 Equifax, 603 Experian. Hopefully it stays a good experience!
Neither the best or worst card. Higher interest then some and really poor customer service managers. However, the quickest credit increase I've had without requesting one and a good credit limit.
There has been an improvement the last few months in customer service. But I've never had an issue I couldn't resolve fairly easily. I have to say this is one of my favorite cards but really should have a reward program.
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1
0
Ruth Hennie @rellen49
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1 Star Rating
This is the worst credit card I have ever had! It started out good, they increased my credit limit and then BAM! I got this card to establish credit and I have always paid a lot more than the minimal payment. The interest rate was supposed be 26.99%, but that was a lie. I stopped using this card in Nov. 2022. I always paid $100-$150/mo to bring the balance down. What a joke. May 2022 it jumped to 27.74% and kept on increasing with every statement. As of my April 8th 2023 statement the interest rate was 31.74%. On paying $100 per month, the interest charges showing up on the next statement were $66.13.This meant only $33.87 went towards paying the balance. They were getting at least $600 a year from me on interest. I now have a new credit card at 0% interest for 18 months on a balance transfer. How about that!
Report them to the Attorney General thats what I'm doing
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0
0
Eaharris2019 @Eaharris2019
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1 Star Rating
I was scammed , filed a dispute in September 2022. To this date it has not been resolved. I have made at least one phone call a month for the last 8 months, begging them to help me. They all promise to call me with updates within 3-5 business days. No progress. No help. No credit to my account. Horrible customer service and laughable dispute department. Best advice, go with a credit company that has your back in these scam situations. This one doesn’t care.
You won't get any help from them. They don't care.
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2
0
craft_michelle @craft_michelle
@rellen49 Report them to the Attorney General thats what I'm doing
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0
0
Jenniferakrips @Jenniferakrips
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5 Star Rating
Great for rebuilding credit!
I try to keep my balance low, always pay on time, and pay more than the minimum. Mercury has rewarded me by substantially increasing my credit limit, which has really helped my credit score.
Absolutely worth it, if you truly intend to restore your credit. I have a *few* cards now, that have much, much lower rates, great perks etc. - but this card gave me a higher limit and has honored their end of the contract I agreed to (including the high APR) when my credit wasn’t at all so great. As long as they continue to increase my limit (which they’ve done), and stay on par, I’ll keep Mercury and use their card, and even leave a small balance at times to pay some interest… because they gave me the benefit of the doubt. And a revolving open account relationship for years on end is also a good thing for your credit with a card. It’s nice to now have cards from airline companies and business cards that I need; and I’ll continue to keep this card because it did what it said it would - help me rebuild my credit, and yes, we’ve had a relationship for several years, that too looks good on my credit. I guess I’m just loyal and don’t mind paying a little interest to a company that helped me get to where I am today. Be a responsible person and they’ll treat you right.
Review The First Bank and Trust Company Credit Cards
The First Bank and Trust Company Credit Cards FAQ
Get answers to your questions about The First Bank and Trust Company Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
The easiest way you can pay your Mercury Credit Card is either by signing in to your account, where you can also set up autopay to avoid late fees, or through the mobile app for iOS and Android. Alternatively, you can pay as a guest or over the phone at (866) 686-2158. Lastly, you can also send a payment via mail.
Here's how you can pay your Mercury Credit Card:
Online: To make a Mercury Credit Card payment online, log in to your account...
The Mercury Credit Card customer service number is (866) 686-2158. When you call, you will first need to enter your card or account number. If you don't have the information at hand, press 0. The automated system will then give you several menu options to choose from.
If you need assistance applying for a Mercury Credit Card, call (833) 766-4844 and a customer service representative will walk you through the process.
How to contact Mercury Credit Card customer service:
The Mercury Credit Card can use any of the major credit bureaus (TransUnion, Experian, or Equifax) for approval. Regardless of the bureau they choose to pull from, it will always appear as a hard pull on your credit.
And when it comes to your financial activity, the Mercury Credit Card will report it to all three major credit bureaus on a monthly basis.
You can buy a gift card with your Mercury Credit Card through any store that accepts credit card payment for gift cards. Some big chains (like Walmart and Target) will allow you to do it, but you can also buy from online stores (like Amazon.com).
However, not all stores allow this, as buying gift cards with counterfeit or stolen credit cards is a pretty common practice.
Yes, you can use your Mercury Credit Card anywhere Mastercard is accepted. Since Mastercard is the most widely accepted credit card network, it means you can use it in more than 210 countries and territories. Just bear in mind that this card has a 3% foreign transaction fee.
3
0
WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Mercury Credit Card and Petal® 2 Visa® Credit Card
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
