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Mercantile Visa Credit Card

Mercantile Visa® Credit Card

Building a successful financial plan takes the right resources. That's why we work hard to provide you with quality financial services and products. Like our convenient, flexible Visa® and Visa® Gold Credit Cards.


  • Purchasing Convenience. Charge merchandise, services, lodging and much more at more than 20 million locations in more than 150 countries.
  • Cash Advances. Quickly and easily get cash advances up to your available credit limit at more than 160,000 locations around the world.
  • Travel Accident Insurance. $150,000 common carrier accident insurance program available at no cost.
  • Online Access. View balances and history online via internet banking - view statements, set alerts and schedule payments.

Credit Disclosure

  Visa® Visa® Gold
Annual Percentage Rate for Purchases, Cash Advances and Balance Transfers* 14.50% as of 2/01/16 11.50% as of 2/01/16
Variable rate index and spread Wall Street Prime + 11% reviewed annually on January 2nd Wall Street Prime + 8.00% reviewed annually on January 2nd
Grace Period for repayment of balances for purchases 25 days to repay your balance for purchases before incurring a finance charge
Method of computing the balance for purchases Average Daily Balance (including new transactions)
Annual membership fee None
Transaction fee for purchases None
Transaction fee for balance transfers None
Transaction fee for cash advances Up to $25
Transaction fee for foreign transactions 1.0% of each transaction in U.S. dollars
Late payment fee Up to $25
Over-the-credit-limit fee None
Returned payment fee Up to $10.00

*Disclosure: APR is subject to change. The prime rate used to determine your APR is the rate published in the Wall Street Journal 2nd day of January or the next business day if the 2nd is a Saturday, Sunday, or holiday (set annually). Any change in the rate will go into effect on the first day or your new billing cycle beginning on the month following publication of prime rate and may result in an increase or decrease in the finance charge imposed on your account. A change in the interest rate may also result in an increase or decrease in your required minimum payment amount. Please contact us to obtain the most current rate information.

Lost/Stolen Credit Card?

Contact Mercantile Bank during business hours at: 616.406.3870

During non-bank hours, call: 866.839.3485