How to Activate and Manage Your New Mercury Mastercard at

Got a new Mercury Mastercard in the mail but not sure how to activate it? Don’t worry, I’ll walk you through the easy process step-by-step.

Activating your card is important so you can start using it for purchases and payments. The good news is there are a few convenient ways to activate: online, by phone, or through the mobile app.

Activate Your Card Online at

Activating online at is quick and simple:

  • Go to the activation website
  • Enter your 16-digit card number
  • Input the last 4 digits of your SSN
  • Provide your birth month and year
  • Click “Proceed”
  • Create a PIN for your card
  • Click “Activate Card”

And that’s it! Your card is now activated and ready to use.

Tip: You must activate your Mercury card within 30 days of receiving it or it will be cancelled.

Activate By Phone

You can also activate by calling the number on the back of your card:

  • Call the activation phone number
  • Enter your 16-digit card number
  • Input the 3-digit security code
  • Create a PIN when prompted

The customer service agent will walk you through the steps.

Use the Mobile App

The Mercury Oculus app makes it easy to activate your card right from your phone. Just download the app, tap “Activate My Card”, and enter your new card details.

The app also lets you:

  • Pay bills
  • Check your FICO score
  • View your balance
  • Manage notifications
  • Initiate balance transfers
  • Review transactions
  • and more!

It’s full of useful tools to manage your account on the go.

Log In to Manage Your Card Online at

Once your card is activated, you can log into your account anytime at to:

  • Check transactions
  • Pay your bill
  • View statements
  • Set up alerts
  • and manage your account

Just enter your username and password in the “Sign In” section to access your account dashboard.

How to Apply for a Mercury Mastercard

To apply, you typically need:

  • A credit score of at least 620
  • A reservation code mailed to you

Here’s how to use your reservation code to apply:

  • Go to the “Respond to Mail Offer” page
  • Input your reservation code
  • Enter the last 4 digits of your SSN
  • Click “Submit”
  • Review the card offer details

If approved, your new Mercury card will arrive in 1-2 weeks. Activate it using the steps above and use it wisely to build your credit history.

I hope this guide covers everything you need to know to activate and start using your new Mercury card! Let me know if you have any other questions.

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