IO Card (Mercury IO) — Patriot Bank, N.A. is a charge card from Patriot Bank, N.A.. The annual fee is No annual fee. The ongoing APR is no interest (paid in full by autopay). Rewards: unlimited 1.5% cashback. Typical credit limit: based on total Mercury balances plus optionally linked external accounts. Loan terms: Charge card; once your balances reach $15K, you can switch to 30-day repayment terms.