Credit Cards (US)

Surge® Platinum Mastercard® review

The Surge® Platinum Mastercard® 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!

Surge® Platinum Mastercard®: Open the door to good credit!

Check out this Surge® Platinum Mastercard® review. Source: The Mister Finance.
Check out this Surge® Platinum Mastercard® review. Source: The Mister Finance.

If you are looking for a credit card that can give you the opportunity you need to build or rebuild your credit, this Surge® Platinum Mastercard® review is perfect for you.

This is a card that will report all monthly payments to the three main credit bureaus in the country. 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 Surge® Platinum Mastercard® review!

Surge® Platinum Mastercard®

How do you get the Surge® Platinum Mastercard®?

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

Credit ScoreSee website for details.
Annual Fee$300 Credit Limit à $75 Annual Fee Year 1, $99 Annual Fee Year 2;
$500, $750, $1,000 Credit Limits à $125 Annual Fee.
Regular APRVariable APR of 29.99%.
Welcome bonusThere is no welcome bonus available for this credit card
RewardsThis credit card does not offer rewards to its cardholders

How does the Surge® Platinum Mastercard® work?

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® Platinum Mastercard® benefits

Check out the pros and cons to this card. Source: Freepik.
Check out the pros and cons to this card. Source: Freepik.

Check out the highlights and lowlights of this card next in our Surge® Platinum Mastercard® review.

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.
  • This credit card sends out your monthly payment reports to all three major credit bureaus.
  • You can double your credit line within 6 months of responsible use.
  • Fast and easy application process; results in seconds
  • Free online account access 24/7

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.
  • Checking Account Required.

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Should you get a Surge® Platinum Mastercard®?

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 a Surge® Platinum Mastercard®?

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!

Surge® Platinum Mastercard®

How do you get the Surge® Platinum Mastercard®?

If you need a credit card with credit rebuilding benefits, the Surge® Platinum Mastercard® 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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