Reviews

Surge Mastercard® Credit Card full review

Card options to rebuild credit are diverse. But, the Surge Mastercard® Credit Card can be very interesting. Know more!

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by Sabrina Paes

Published on 10/16/2022

Surge Mastercard® Credit Card: credit limit increase!

Surge Mastercard® Credit Card
Read our Surge Mastercard® Credit Card full review! Source: Surge Card Info

Having a good credit score is important to ensure good negotiations. Therefore, this Surge Mastercard® Credit Card review will show how this option can help you achieve a good credit score.

Surge logo

How to apply for Surge Mastercard®?

The Surge Mastercard® Credit Card allows you to rebuild your credit score. See how to apply correctly to be approved.

Due to the lack of a credit score requirement to apply for the card, interest rates can be high. However, reporting good use to the three main credit agencies in the country can help you a lot. Check out more!

  • Credit Score: Poor / Fair / Bad;
  • Annual Fee: $75 – $99;
  • Regular APR: 24.99% – 29.99% (Variable);
  • Welcome bonus: N/A;
  • Rewards: There are no rewards, only credit reconstruction with the good use report to the main agencies in the country.

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How does the Surge Mastercard® Credit Card work?

woman thinking with card
Find out how this card works! Source: Adobe Stock

The Surge Mastercard® Credit Card is an excellent option for those who do not have a good credit score and need a card. After all, it only requires you to be over 18 and a US citizen to apply online.

It has a high APR rate and associated monthly and annual fees. This is due to the suspicion of paying the installments on time. However, you can add a co-signer and get a discount.

With recurring usage, the credit limit increases rapidly, as does the credit score. After all, the creditor reports the good use and payment to the three main agencies in the country.

Surge Mastercard® Credit Card pros and cons

This review presents the Surge Mastercard® Credit Card as a good credit score recovery. However, like every card, it has some pros and cons that you should consider before ordering. Check out!

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Pros

  • Absence of Liability in case of fraud and no extra charges;
  • Monthly credit reports for major agencies: TransUnion, Experian, Equifax;
  • Access to free electronic credit score, Vantage 3.0 Experian;
  • Fast credit limit increase after 6 months of use and payment on time;
  • All types of credit are accepted;
  • It has a good starting credit limit of $300 minimum.

Cons

  • High APR rate for card usage;
  • Existence of fees for foreign transactions;
  • No rewards;
  • High annual and monthly interest rates.

Does my credit score need to be good?

As previously mentioned, to apply for the Surge Mastercard® Credit Card, it is not necessary to have a good credit score. After all, this option is ideal for those who need to build credit.

Therefore, a fair or poor level is enough to qualify. However, payment and credit history can be considered when establishing interest rates.

Want to apply for the Surge Mastercard® Credit Card?

The Surge Mastercard® Credit Card does not require a good credit score to apply. Therefore, it is a flexible option that is accessible to many people who need to improve their financial condition.

However, knowing the correct method to apply is essential to increase the chances of being approved. So, check out how to apply with the article below.

Surge Mastercard® Credit Card

How to apply for Surge Mastercard®?

The Surge Mastercard® Credit Card allows you to rebuild your credit score. See how to apply correctly to be approved.

About the author

Sabrina Paes

Content Writer, Copywriter, and Ghostwriter. Content marketing professional with 5 years of experience. Specialist in investment, finance, and technology niche. MBA in Marketing at the University of São Paulo, Brazil. Content Writer by Rock Content, and University of California (UCDAVIS).

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