Reviews

Surge Secured Mastercard® card full review

Check out the Surge Secured Mastercard® review and learn all about its benefits, such as Zero Fraud Liability Protection and cash back!

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by Aline Augusto

Published on 11/29/2021

Surge Secured Mastercard® card 

Learn how to get rewarded and build the score with the Surge Secured Mastercard® review. Source: Surge.
Learn how to get rewarded and build the score with the Surge Secured Mastercard® review. Source: Surge.

On this Surge Secured Mastercard® review, you’ll learn more about this great financial product and its benefits!

So, a secured card works like a credit card but doesn’t require a minimum credit score for the application. Also, the credit limit is the secured deposit made when you apply for the card.

If you have a poor credit score or no credit history whatsoever, this might be an option for you, as it helps you work on your credit history.

Surge features a secured credit card that rewards you with cash back. That’s extra, which you might be interested in.

Credit ScoreNot required
Annual Fee$69
Regular APR19.99% (variable)
Welcome bonusNone
Rewards1% cash back on all purchases
Logo Surge fundo branco

How to apply for a Surge Secured Mastercard®?

Surge Secured Mastercard® credit card allows you to build your credit score while purchasing and getting cash back for it. Learn now how to apply for this card!

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How does the Surge Secured Mastercard® credit card work?

Surge Secured Mastercard® offers 1% cash back on all purchases. That’s a really good feature for a secured card that helps you build up your credit history.

Basically, it reports to all major credit bureaus, so every time on paying your dues on time, you can increase your credit score.

Plus, a secured card means your credit limit will be the deposit you make at the application. It goes from $300 to $1,000. 

Also, you can pre-qualify without hurting your credit score.

So, if you have a poor score or don’t have a credit history, you should consider applying for this Mastercard®.

Surge Secured Mastercard® benefits

See what are the benefits of Surge Secured Mastercard® credit card. Source: Canva.
See what are the benefits of Surge Secured Mastercard® credit card. Source: Canva.

This card is made for people who want to build credit history and score. But there is an extra point: you can get cash back while working on your punctuation.

Furthermore, even though it requires a security deposit, it is refundable, and the credit lines can be reviewed frequently.

However, note that it charges a $69 annual fee and a variable 19,99% APR, which is quite high.

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Pros

  • It offers rewards on all purchases
  • It helps you build your credit history
  • Plus, it is a refundable deposit
  • It offers Zero Fraud Liability Protection
  • And it is a Mastercard® flagged card

Cons

  • It requires a secured deposit and a checking account
  • It charges an annual fee

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How good does your credit score need to be?

The advantage of this card is that it doesn’t require a credit score or credit history for the application. So, you can start now building your punctuation. 

How to apply for a Surge Secured Mastercard®?

If you are looking for a secured credit card that rewards you with cash back on all purchases, the Surge Secured might be the one for you. Check out how to apply for it!

Logo Surge fundo branco

How to apply for a Surge Secured Mastercard®?

Surge Secured Mastercard® credit card allows you to build your credit score while purchasing and getting cash back for it. Learn now how to apply for this card!

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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