The Surge® Platinum Secured Mastercard® Card is a secured card that doesn’t require a credit history for the application, and the credit limit equals the deposit you make when applying for it.

This card reports to all major credit bureaus, so you can work on your credit-building as long as you pay your dues on time.

Plus, it rewards you with cash back on all purchases.

But before applying for one, note that you will pay an annual fee and a 29.99% variable APR.

Also, it requires a checking account. 

Without further ado, check out how you can get this credit card.

Access Surge’s website. The application process is easy and fast. And you can pre-qualify first without impacting your credit score.

Then, fill in the forms with your personal information. You can get a response right away!

Finally, make the deposit and start using your credit card.

Surge features a mobile app where you can customize notifications and more. After getting approved and setting up your first deposit, download the app to manage all your financial activity.

On one side, the Surge® Platinum Secured Mastercard® doesn’t require credit history, so you don’t need to worry about the application. And, it rewards you with cash back at the same time as helps you increase your credit score.

On the other side, the Scotiabank Gold American Express® Card has plenty of benefits but requires at least a good credit score.

See the comparison chart right below!