Mercury Rewards FAQs

How do I earn points? How much are points worth?
You’ll earn 1 point for each $1.00 of qualifying Purchases made with your card, less returns, disputed charges, unauthorized charges, or illegal or fraudulent charges. Points will round up to the next dollar if the Purchase is equal to an amount that ends in $0.50 or greater. Once you earn 1,000 points you can redeem for a $10 statement credit (1% Cash Back value).
How can I redeem my points?
You can redeem points online 24/7 at ; or by calling the Rewards Redemption Center at 1-866-686-2158. Redemption Center hours are 9am - 9pm (Eastern Time) 7 days a week. The Rewards Redemption Center may be closed on federal holidays.
Are there any types of transactions excluded from earning points?
Yes, the following transactions are not considered Purchases and will not earn points: Balance Transfers, Checks and Cash Advances, fees, interest charges, and fraudulent transactions.
What is the maximum amount of points I can earn?
There is no cap on the amount of points you can earn as long as the Program continues and the Card Account is open for new transactions.
How do I check my points balance or redemption history?
Check your points balance and redemption history by logging into your account at or by calling 1-866-686-2158.
Do my points expire?
No, points do not expire. Points may be forfeited if your Card Account is closed; including if it is closed for inactivity; your Card Account is in Default under your Mercury Cardmember Agreement; or we determine in our sole discretion that you, or any Authorized User on the Card Account, engage in any illegal activity through the use of the Program or engage in activity that is deemed to be fraudulent or abusive conduct under the Program.
Are there a minimum number of points required to redeem?
Each redemption will require a minimum of 1,000 points. Redemptions for more than 1,000 points can be made in increments of 100 points.

This card is issued by First Bank & Trust, Brookings, SD, pursuant to a license by Mastercard International.