Surge Mastercard

in Personal Credit Cards

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Surge Mastercard


in Personal Credit Cards

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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 29.99% 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 $96 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 or 5% (whichever is greater) cash advance fee and a 3% foreign transaction fee.

There is also a $38 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.

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.

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  • Headquarters
  •   268 South State Street
    Suite 300
    Salt Lake City, UT 84111 USA
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  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period for Late Payment (Days) 25
Late Payment Penalty $38
Returned Payment Fee $38
Annual Fee $125
Foreign Currency Transaction Fee 3%
Minimum Age 18
Credit Score Range 300 - 640
850 300 640
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Purchase APR (Variable APR) Starting at 29.99%
Cash Advance APR (Variable APR) Starting at 29.99%
Balance Computation average daily balance (including new purchases)
Credit Limit 500

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