Credit Cards

Surge Mastercard® credit card full review

The Surge Mastercard® credit card can be a useful tool for those who need to build their credit. So, if you want to know more, keep reading our full review!

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by Victória Lourenço

09/30/2021 | Updated on 11/01/2021

Surge Mastercard® credit card

Surge Mastercard® credit card full review. Source: Surge.
Surge Mastercard® credit card full review. Source: Surge.

If you are looking for a credit card that can give you the opportunity you need to build or rebuild your credit, the Surge Mastercard® credit card can be a good option. This credit card sends out monthly payment reports to all three major credit bureaus.

In addition, to get this credit card, you need to be able to pay for its relatively high annual fee and some other fees. Also, this credit card can give you the chance to get a credit limit increase after 6 months of using the card. So, if you want to know more information about this credit-building card, keep reading our full review!

How do you get Surge Mastercard® card?

If you need a credit card with credit rebuilding benefits, the Surge Mastercard® card can be for you. Read more to know how to apply!

Credit ScorePoor to good credit score
Annual FeeThe annual fee charged ranges from $75 to $99
Regular APRThis card has a variable APR that ranges from 24.99% to 29.99%
Welcome bonusThere is no welcome bonus available for this credit card
RewardsThis credit card does not offer rewards to its cardholders

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How does Surge Mastercard® credit card work?

Find out how this credit rebuilding card works! Source: Unsplash.
Find out how this credit rebuilding card works! Source: Unsplash.

You can get easily approved to get this credit card if you fit the requirements. So, after becoming a cardholder, you can make a plan to improve your credit score. Also, you will get your payment reports sent to all three major credit bureaus to help you with this.

Surge Mastercard® card benefits

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Pros

  • This credit card’s credit analysis does not negatively affect your credit score.
  • Get an initial credit card limit from $300 to $1,000.
  • As a cardholder, you can get the Mastercard Zero Liability Protection service.
  • You can have the chance of getting a credit limit increase after 6 months of using this credit card.
  • This credit card sends out your monthly payment reports to all three major credit bureaus.
  • This card can be easy to qualify to get.

Cons

  • There is a relatively high APR charged by this credit card.
  • The annual fee can be a downside for some people who can struggle to pay for it.

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Should you get a Surge Mastercard® card?

See if you should get this credit card. Source: Unsplash.
See if you should get this credit card. Source: Unsplash.

If you need a credit card to build or rebuild credit, this card can be good for you. But, keep in mind that this card has many relatively high fees, so you need to be sure that you have the money to pay for them. Also, if you need a card that does not charge an annual fee and has lower fees in general, maybe you can look for another credit card.

How good does your credit score need to be?

To get this credit-building card, you do not need a high credit score. You can have from poor to fair score and still have a chance to get approved. Also, you can use this card to improve your score.

How to apply for Surge Mastercard® credit card?

It can be very fast and easy to apply for this credit card. You can do it all online and get a response in a very short time. So, to know more about this card’s application process, read our post below!

How do you get the Surge Mastercard® credit card?

If you need a credit card with credit rebuilding benefits, the Surge Mastercard® card can be for you. Read more to know how to apply!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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