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Surge Mastercard®

Requires sign in
Rewards Rate
N/A
Sign Up Bonus
N/A
Typical Credit Score
Fair, Bad, Limited / None
Surge Mastercard®
Surge Mastercard®
Pros & Cons
  • All credit types welcome to apply!

  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)

  • Initial Credit Limit of $300 – $1,000* (subject to available credit)

  • Monthly reporting to the three major credit bureaus

  • See if you’re Pre-Qualified without impacting your credit score

  • Fast and easy application process; results in seconds

  • Free online account access 24/7

  • Checking Account Required

  • None
Rated Best for:
Surge Mastercard® Review

Who is the Surge Mastercard® for?

The Surge Mastercard® is specifically designed for people with no or poor credit rating. This card also reports to the three major credit bureaus every month, allowing its cardholders to start building or rebuilding their credit scores by having a good credit report. However, even though the Surge Mastercard® has great potential for improving one’s credit score, it requires a high annual fee and has 24.99% – 29.99% (Variable) as its APR. As a result, we suggest people consider thoroughly before applying the Surge Mastercard®.

Rewards 

Even though many other credit cards try to attract as many customers as possible by providing many rewards and benefits, the Surge Mastercard® does not offer any reward program. Instead, this card emphasizes improving cardholders’ credit ratings through different card perks and protections.

Perks

The Surge Mastercard® offers to report its cardholders’ card usage to all three bureaus including Experian, Equifax, and TransUnion. All lenders will check one’s credit report through these three organizations, therefore this feature is able to benefit the cardholders as long as they improve their credit score

Annual Fee

For the Surge Mastercard®, it has different annual fees depending on the applicant's different credit scores. The annual fees varied from $75 to $99; the better one’s credit, the lower one’s annual fee will be. However, in addition to the annual fee, the Surge Mastercard® also charges a $10 monthly fee after the first year. As a result, the cardholders can be responsible for up to almost $220 every year after the first year. The applicants have to be aware of this high annual fee before applying.

On the other hand, the Surge Mastercard® charges a 24.99% – 29.99% (Variable) annual percentage rate on both purchases and cash advances, which is high compared to other credit cards. The applicants are recommended to not carry a balance because the interest charges can be huge after a few months. However, this card provides a 25 days grace period to pay one’s statement balance without any interest charge.

Conclusion

Rebuilding one’s credit score can be a complicated process, but the Surge Mastercard® can be a nice solution. On the other hand, applicants have to be aware of the potential annual fee, monthly fee, and high APR. With all being said, if you wish to improve your credit rating while capable of paying the additional fees, the Surge Mastercard® is a great option for you.

Complete Card Details
Rewards Rate
N/A
Welcome Bonus
N/A
Typical Credit Score
Fair, Bad, Limited / None
Intro Annual Fee
N/A
Annual Fee
$75 - $99
Additional User Annual Fee
$30
Foreign Transaction Fee
3%
Intro Purchase APR
N/A
Regular Purchase APR
24.99% – 29.99% (Variable)
Cash Advance Fee
5%
Cash Advance APR
24.99% – 29.99% (Variable)
Late Fee
Up to $40
Intro Balance Transfer APR
N/A
Regular Balance Transfer APR
N/A
Penalty APR
N/A
Balance Transfer Fee
N/A
Return Payment Fee
Up to $40
Minimum Deposit
N/A
Credit Card Network
Mastercard
Credit Card Issuer
Surge
Surge Mastercard® FAQ

What is the minimum credit score required to apply for Surge Mastercard®?

A credit score of 300 is required to be eligible for Surge Mastercard®.

What is the minimum deposit required for Surge Mastercard®?

There is no minimum deposit required for this credit card.

What is the Intro Annual Fee for Surge Mastercard®

The Intro Annual Fee for Surge Mastercard® is not available at the moment. Please check the terms for more details.

What is the Annual Fee for Surge Mastercard®

The Annual Fee for this credit card is $75 - $99.

What is the Intro Purchase APR for Surge Mastercard®

The Intro Purchase APR for this credit card is not available at the moment. Please check the terms for more details.

What is the Regular Purchase APR for Surge Mastercard®

The Regular Purchase APR for this credit card is 24.99% – 29.99% (variable).

What is the Intro Balance Transfer APR for Surge Mastercard®

The Intro Balance Transfer APR for this credit card is not available at the moment. Please check the terms for more details.

What is the Regular Balance Transfer APR for Surge Mastercard®

The Regular Balance Transfer APR for Surge Mastercard® is not available at the moment. Please check the terms for more details.

What is the Cash Advance APR for Surge Mastercard®

The Cash Advance APR for Surge Mastercard® is 24.99% – 29.99% (variable).

What is the Cash Advance Fee for Surge Mastercard®

The Cash Advance Fee for this credit card is 5%.

What is the Late Fee for Surge Mastercard®

The Late Fee for Surge Mastercard® is up to $40.

What is the Penalty APR for Surge Mastercard®

The Penalty APR for this credit card is not available at the moment. Please check the terms for more details.

What is the Balance Transfer Fee for Surge Mastercard®

The Balance Transfer Fee for this credit card is not available at the moment. Please check the terms for more details.

What is the Min. Balance Transfer Fee for Surge Mastercard®

The Min. Balance Transfer Fee for Surge Mastercard® is not available at the moment. Please check the terms for more details.

What is the Foreign Transaction Fee for Surge Mastercard®

The Foreign Transaction Fee for this credit card is 3%.

What is the Return Payment Fee for Surge Mastercard®

The Return Payment Fee for this credit card is up to $40.
$738
$1,065
$261
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