| Rewards | None. |
|---|---|
| Signup Bonus | None. |
| Annual Fee | $75–$125 in the first year (depends on the credit limit approved). After the first year, it’s typically $99–$125 annually. |
| Cardmember Agreement | View Here |
| Cash Advance APR | Up to 35.90% APR on cash advances (interest starts immediately). |
| Cash Advance Fee | 3% of the amount or $10 minimum, whichever is greater. |
| Late Payment Fee | Up to $41. |
| Purchases APR | 35.90% fixed APR on purchases |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Surge® Platinum Mastercard® is best known as a credit-builder card for people with poor or limited credit. It typically offers a small credit limit ($300–$1,000), high APR, and annual fees, and it doesn’t include rewards, cash back, or a signup bonus. Its main selling point is that it reports to all three credit bureaus, which can help rebuild credit.
Most users say the card is relatively easy to get approved for, even with damaged credit. Many reviewers mentioned that it helped them establish payment history and improve their credit score over time. Cardholders also appreciate that it’s a true Mastercard, meaning it works almost anywhere.
On the downside, many reviewers complain about the fees and high interest rates. The annual fee can eat into the already small credit limit, and there are no rewards or perks to offset the cost. Some users also say the card simply feels expensive for what it offers.
Personally, I think this card is strictly a stepping-stone. It can help rebuild credit if you’re out of options, but if you qualify for a secured or no-annual-fee credit builder card, you’ll probably get better value.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
C
troublesome
Every payment felt like gamble, even when I paid on time, the balance or fees seemed to pile up. Carry a balance or skip a payment and the interest rate quickly makes this card a financial trap. Only maybe worth it if you absolutely need credit because all other options are closed.
S
Surge Credit Card
This credit card has been great with my credit history.
S
Good Card for people like me with not so good credit
So far it seems to be ok i have not had a problem when using it
C
Extremely poor and much to expensive. Rip Off!!
Ripp off
D
5
asking to up my credit limit
