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Mercury™ Mastercard®
Mercury™ Mastercard®
- 30.24% to 30.49% variable based on the Prime Rate Regular Purchase APR
- 30.24% to 30.49% variable based on the Prime Rate Balance Transfer APR
- 30.24% to 30.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The Mercury® Mastercard® is a no annual fee credit card for those hoping to boost their credit score while potentially earning decent rewards. The card from Mercury Financial is only available by pre-selection and an invitation code to apply, meaning other credit-builder options might make more sense.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Free access to FICO score
- Reports to the three main credit bureaus
- $0 Fraud Liability if your card is lost or stole
- Regular Purchase APR: 30.24% to 30.49% variable based on the Prime Rate
- Balance Transfer APR: 30.24% to 30.49% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 30.24% to 30.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $0 to $79
- Foreign Transaction Fee: 0% to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You have had credit issues in the past
- You want an unsecured card that doesn’t charge an annual fee
- You plan to pay your balance in full every month
- You have received a pre-approval letter from Mercury™
Free Spirit® Points Plus Mastercard®
Free Spirit® Points Plus Mastercard®
- 30.24% to 30.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 30.24% to 30.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 30.24% to 30.49% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Free Spirit® Points Plus Mastercard® is a premium, invite-only airline rewards credit card from Mercury Financial. The card features 3X points on Spirit flights and purchases, 2X on dining and groceries, a decent signup bonus, and no foreign transaction fees – all for an annual fee of $79.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 3x Free Spirit Points per $1 on Spirit purchases
- Earn 2x Free Spirit Points per $1 on grocery and dining purchases
- Earn 1x Free Spirit Points per $1 on all other purchases
- Invitation required to apply
- Regular Purchase APR: 30.24% to 30.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 30.24% to 30.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each Balance Transfer, whichever is greater
- Cash Advance APR: 30.24% to 30.49% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each Cash Advance, whichever is greater
- Annual Fee: $0 to $79
- Foreign Transaction Fee: 0% or 3% of each Purchase in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- Minimum Deposit Required: n/a
- You have average credit but want an airline rewards card
- You have a pre-approval mail offer from Mercury
- You fly with Spirit or travel occasionally
Best Egg Visa® Credit Card
Best Egg Visa® Credit Card
- 18.99% to 28.99% variable based on creditworthiness Regular Purchase APR
- 18.99% to 28.99% variable based on creditworthiness Cash Advance APR
At a Glance
The Best Egg Visa® Credit Card is a fee-free credit builder credit card from fintech lender Marlette Funding LLC (Best Egg’s parent company) and First Bank & Trust – the issuing bank of the Mercury Mastercard and Free Spirit Points Mastercard. The card, currently invite-only, features no annual fee, no foreign transaction fees, and no impact on credit when declined.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- No impact to your credit score if declined
- Regular Purchase APR: 18.99% to 28.99% variable based on creditworthiness
- Cash Advance APR: 18.99% to 28.99% variable based on creditworthiness
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You regularly make your monthly payments on time but have had a financial hardship
- You don’t want to pay any additional fees on your card
- You have an invitation code for Best Egg
Free Spirit® Points Mastercard®
Free Spirit® Points Mastercard®
- 30.24% to 30.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 30.24% to 30.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 30.24% to 30.49% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Free Spirit® Points Mastercard® is an invite-only airline rewards credit card from Mercury Financial and First Bank & Trust. The card features 2X points per dollar on Spirit flights and purchases, a decent signup bonus, and no foreign transaction fees (for some).
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- 2X points on Spirit purchases
- 1X points on all other purchases
- Points never expire
- Regular Purchase APR: 30.24% to 30.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 30.24% to 30.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 4% of the amount of each Balance Transfer, whichever is greater
- Cash Advance APR: 30.24% to 30.49% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each Cash Advance, whichever is greater
- Annual Fee: $0 or $79
- Foreign Transaction Fee: 0% or 3% of each Purchase in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You have average credit but want an airline rewards card
- You have a pre-approval mail offer from Mercury Financial and Spirit Airlines
- You fly with Spirit Airlines or travel occasionally
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About First Bank and Trust
First Bank & Trust is a small regional bank with 22 branches in the states of South Dakota and Minnesota. The bank is part of a larger holding company – Fishback Financial Corporation – which is one of the largest privately-held banks in South Dakota.
First Bank & Trust has a history dating back over 130 years, with its headquarters in Brookings, SD. The bank offers a full range of services, including personal checking and savings accounts, insurance, loans (including auto loans, mortgages, and HELOCs), as well as business financial services.
The bank is most famous nationwide, however, for its Mercury Mastercard, one of the more popular credit repair options available today.
First Bank & Trust Locations
First Bank and Trust feature 22 branches in South Dakota and Minnesota. These locations are:
Minnesota
- Cambridge
- East Bethel
- Edina
- New Prague
- Pipestone
- Princeton
- Roseville
South Dakota
- Brookings (Headquarters)
- Canton
- Garretson
- Madison
- Milbank
- Sioux Falls
- Toronto
- Vermillion
- Watertown
- White
Mercury Card Services
While First Bank & Trust is known locally for its excellent customer service, it is better known nationally for its credit cards. The most notable among the cards the bank issues for other companies is the Mercury Mastercard.
The Mercury Card is one of many credit cards for people with bad credit scores. The card benefits from no annual fee but requires an invitation to apply.
Because of this reservation code requirement, there are other credit repair options available. These cards offer comparable interest rates (with some examples, such as the Milestone Gold Mastercard and Indigo Mastercard offer lower APR than Mercury) and similar credit limits.
Similar Options to the Mercury Credit Card That Don’t Require a Reservation Code
FAQs About First Bank & Trust of South Dakota
Here are some answers to commonly asked questions about First Bank & Trust:
- The routing number is 091408446.
- First Bank & Trust’s customer service phone number is 1-800.843.1552.
Find the Best Card for You
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