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.

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.
  • Spend controls
    • Set custom limits and expiration dates for team members’ cards, and even lock cards to specific merchants.
  • Receipt policies
    • Require receipts, memos, and categories — and automatically match receipts to transactions.
  • Subscriptions
    • View all company card subscriptions in one place, and easily spot and cancel duplicates.
  • Permissions
    • Grant team members card-only access, limiting who can see your account details.

Accelerate your growth with the IO Mastercard

  • Unlimited 1.5% cashback on all spend
  • Automatically deposited into your account
  • No confusing points system
  • No manual redemption

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
  • Support when you need it

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.

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.

If you have questions, we have answers

How do I sign up for IO?

To access IO, you’ll first need to apply for a Mercury account. Once your account is open, you may be eligible for IO immediately — there’s no separate application.

How do I earn 1.5% cashback?

When you spend with IO, you’ll earn unlimited 1.5% cashback on every purchase. Your cashback will be automatically deposited into your account once you pay your balance.

What will my credit limit be?

Your IO credit limit is based on the total balances you hold with Mercury — and also on any external bank accounts you choose to link. Your limit might increase as your Mercury balance increases.

How often do I need to pay off my IO balance?

IO is a charge card, which means you will need to pay off your full balance every pay period. New customers with lower balances start on daily terms.

Does IO have any fees?

We don’t charge annual fees on IO cards, however, we do charge an international transaction fee on non-USD IO card transactions.

What expense management features does IO have?

IO has a suite of expense management features to help you scale your team and grow your business, with confidence and control.

How is IO related to Mercury?

IO is part of Mercury’s suite of banking products and credit cards for ambitious companies.

Does IO build business credit?

Yes, using IO may help your company establish a strong credit history and improve your business credit score. Mercury reports IO payment history to major business credit bureaus.

Ready, set, grow

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