Personal Credit Cards
Explore Our Credit Cards
Unlock the power of your spending with one of our personal credit cards! Our MercRewards+ and MercRewards credit cards earn points on everyday purchases, which you can use to enjoy unbeatable savings on travel and gift cards, as well as exclusive benefits like Norton LifeLock Services and roadside assistance.

MercRewards+ Credit Card
This premium card is designed to reward you for everyday expenses, with a minimum credit limit of $5,000, you earn points for every dollar you spend.
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Rewards can be used for cashback redemption, travel and merchandise, gift cards, charitable donations, purchase ‘eraser’, and more!

MercRewards Credit Card
A convenient credit card designed to reward you for everyday expenses. Earn points for every dollar you spend.
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Rewards can be used for travel and merchandise, gift cards, charitable donations, purchase ‘eraser’, and more!

Secured Credit Card
An easy way to build credit and manage your money. This card offers convenient online access to view balances, set alerts, and schedule payments.
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The Secure Credit Card is not eligible for eRewards points.
MercCredit – Secure Credit Card Management Made Simple
MercCredit is your secure, mobile-first solution for managing and monitoring credit card transactions. Integrated within MercMobile, it gives you full control over how, when, and where your Mercantile Bank credit card is used. Stay protected with instant alerts and smart security features designed for peace of mind.

Card Usage Controls
Set spending limits to approve transactions up to a specific amount. Block transactions exceeding your thresholds and control purchases by merchant category (e.g., gas, travel, restaurants, groceries, electronics).
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Card On/Off Setting
Instantly disable a lost or stolen card by turning it “off.” Reactivate when ready—transactions resume based on your usage settings.
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Location-Based Controls
Restrict transactions to merchants near your location using GPS-based security. Decline transactions outside your defined area for added protection.
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Alerts and Insights
Receive real-time notifications for approved transactions, declined attempts, and activity exceeding your set policies. View transaction history and spending patterns. Track purchases across channels and access personalized offers to your financial habits.
Gift Cards
Gift Cards are issued by Pathward and can be used everywhere Visa is accepted.
Bulk Orders
For orders of 25 or more, the gift cards can be personalized with recipient name and a short message. Please visit your closest branch for more information.
Remaining Balance
To view your remaining gift card balance, you can visit gocardservices.com or call 1.866.261.7741.
Frequently Asked Questions
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What’s the difference between MercRewards+ and MercRewards credit cards?
MercRewards+ is our premium rewards card with a minimum credit limit of $5,000 and enhanced benefits like Norton LifeLock Services and roadside assistance. MercRewards offers similar points-earning on everyday purchases but without the premium perks or higher credit limit requirement. Both cards let you redeem points for travel, gift cards, and exclusive savings.
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Why Choose MercCredit?
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Enhanced Security: Protect your cards with real-time alerts and customizable controls.
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Convenience: Manage everything from your mobile device—anytime, anywhere.
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Transparency: Track spending and monitor transactions with ease.
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What are the benefits of MercCredit for the user?
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Control: Customize how your card works for you.
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Security: Reduce fraud risk with proactive measures.
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Convenience: Manage everything from one app—fast and easy.
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Have questions? Merc is here to help.
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