Mastercard3/4 on file
✓ Annual fee checked
Mercury · Mastercard
The IO Card
The The IO Card is a Mastercard from Mercury with an annual fee of $0. Here is what we hold on it, and what we do not.
Welcome offerNot confirmedNot published by the issuer where we checked ()
Opens Mercury’s site
Ledger entry
The receipt
Every cost line we hold for the The IO Card, exactly as recorded.
- Annual fee
- $0Checked mercury.com
- Supplementary card
- Not confirmed
- Foreign transaction
- 3%Checked mercury.com
- Purchase APR
- Not confirmedNot published by the issuer where we checked ()
- Income requirement
- Not confirmed
- Network
- Mastercard
- Credit needed
- Not confirmed
Sign-up
The welcome offer
No welcome offer on file
Not published by the issuer where we checked ()We hold no published welcome offer for the The IO Card. That may mean there isn’t one, or simply that we have not recorded it — Mercury’s own page is the place to check.
Rewards
What it earns
Published category multipliers for the The IO Card.
| Category | Earn rate | Cap |
|---|---|---|
| Other | 1.5% | No cap on file |
Next step
Ready to apply for the The IO Card?
You'll finish the application on Mercury's own site. Terms can change without notice, so check the fee and offer there before you commit.
Apply nowOpens Mercury’s site
Questions
Questions about the The IO Card
How much is the The IO Card annual fee?
The The IO Card has an annual fee of $0. Weigh that against the rewards and perks you will actually use.
What does the The IO Card earn?
The The IO Card earns 1.5% on other. The full table is on this page.
What network is the The IO Card on?
The The IO Card runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.
Is the The IO Card available in United States?
Yes — the The IO Card is issued by Mercury and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.
When were the The IO Card figures last checked?
We checked its annual fee in October 2026, its foreign transaction fee in October 2026 and its earn rates in October 2026, each against a published document. Not published by Mercury where we checked: purchase APR and welcome offer. Terms can change without notice, so confirm the current details with Mercury before you apply.