Who is the Surge Mastercard Designed For?

The Surge Mastercard is designed for people who don’t have good credit who want to rebuild their credit history.

What are Surge Mastercard’s Rates?

The rate on purchases and cash advances is 30.49% APR. There is no minimum interest charge, and you receive a 25-day grace period. Cardholders don’t pay interest on purchases as long as they pay off their balance by the payment due date each month.

What Are the Fees for the Surge Mastercard?

The annual fee for the first year is $125 and $95 after that. There is a monthly maintenance fee that is not billed during the first 12 months. After that, you will be billed $10 a month.

Additional cards come with a one-time $30 fee.

There are no transaction fees for the first 12 months. After that, there is a $5 o 5% (whichever is greater) cash advance fee and a 3% foreign transaction fee.

There is also a $37 late payment and returned payment fee.

What Is Surge Mastercard’s Rewards Program Like?

Surge Mastercard doesn’t have a rewards program. The big attraction of this card is that it helps people of all credit types rebuild their credit. See below for details on Surge Mastercard’s main features.

What about the Surge Mastercard’s Signup Bonus?

Surge Mastercard doesn’t have a signup bonus.

Does the Surge Mastercard Have Any Other Benefits?

The main benefit of Surge Mastercard is that welcomes all credit types. Not only that, it reports monthly to the three major credit bureaus. Applicants can get an initial credit limit of $500.00, subject to available credit. In some cases, applicants may be required to place a $50, $150, or $500 refundable security deposit based on creditworthiness.

It has a fast online application process. You can use Surge Mastercard at locations everywhere that Mastercard® is accepted. Your card comes with a free online account access 24/7.

All applications are reviewed for an unsecured product; but may be approved for a card with a $50, $150 or $500 refundable security deposit based on creditworthiness.

How Is Surge Mastercard Better Than Other Credit Cards?

If you have poor credit, you can rebuild your credit history by using a credit card responsibly may help. The Surge Mastercard reports your payment activity to the three major credit bureaus on a monthly basis. Keeping your balance low and paying your bills on time every month are two of the best things you can do to improve your credit.

  • Credit Score Range
    560 - 700
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Customer Type
  • Annual Fee: See Terms*
  • Grace Period / Deferred Interest (Months)
  • Late Payment Penalty
  • Returned Payment Fee
  • Foreign Currency Transaction Fee
  • Card Network
  • Credit Limit
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