# 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.