Reviews (US)
Surge® Platinum Secured Mastercard® review
Check out the Surge® Platinum Secured Mastercard® review and learn all about its benefits, such as Zero Fraud Liability Protection and cash back!
Surge® Platinum Secured Mastercard®: Get cash back on purchases!
On this Surge® Platinum 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 Score | Not required |
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 APR | 29.99% (variable) |
Welcome bonus | None |
Rewards | 1% cash back on all purchases |
How to apply for a Surge® Platinum Secured?
The Surge® Platinum Secured Mastercard® allows you to build your credit score while purchasing and getting cash back for it. Learn now how to apply for this card!
How does the Surge® Platinum Secured Mastercard® work?
The Surge® Platinum 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®.
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Surge® Platinum Secured Mastercard® benefits
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. See the pros and cons next in our Surge® Platinum Secured Mastercard® review.
Pros
- Initial refundable deposit becomes your credit limit.
- 1% Cash Back rewards on all purchases.
- Free access to your Vantage 3.0 Score from Experian (When you sign up for e-statements).
- Reports all monthly payments to the three main credit bureaus.
- Fast and easy application process.
- Use your card anywhere Mastercard is accepted.
- Mastercard Zero Liability Protection.
Cons
- It requires a secured deposit and a checking account.
- It charges an annual fee.
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® Platinum 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!
How to apply for a Surge® Platinum Secured?
The Surge® Platinum Secured Mastercard® 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
Reviewed by / Aline Barbosa
Senior Editor
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