Surge® Platinum Mastercard® Review

Learn how the Surge® Platinum Mastercard® can help you achieve a better score and regain your financial confidence with a generous spending limit.


Surge® Platinum Mastercard®: Double your initial limit with timely payments!

Surge® Platinum Mastercard®
Check our Surge® Platinum Mastercard® review! Source: Stealth Capitalist.

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

Surge® Platinum Mastercard®

How to apply for the Surge® Platinum Mastercard®

The Surge® Platinum Mastercard® 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 – $125;
  • Regular APR: 29.99% (variable);
  • Welcome bonus: N/A;
  • Rewards: The card’s focus is credit building, so there are no rewards programs available currently.

How does the Surge® Platinum Mastercard® work?

The Surge® Platinum Mastercard® 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® Platinum Mastercard® pros and cons

woman holding the Surge® Platinum Mastercard®
Learn the pros and cons attached to the card. Source: Surge® Platinum Mastercard®.

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


  • 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.


  • 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® Platinum Mastercard®, 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® Platinum Mastercard®?

The Surge® Platinum Mastercard® 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® Platinum Mastercard®

How to apply for the Surge® Platinum Mastercard®

The Surge® Platinum Mastercard® 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).

Trending Topics


Net First Platinum credit card full review

The Net First Platinum credit card is the perfect card for individuals who shop at the Horizon Outlet website. Check it out!

Keep Reading

Supplemental Security Income (SSI): ensure financial help

Have a disability that limits your ability to work? Learn about Supplemental Security Income, who is eligible for it, how to apply, and more!

Keep Reading

Ensure up to $100K quickly: Wells Fargo Personal Loan Review

Renovate your home, conquer debt, or make a major purchase- Discover how easy in our Wells Fargo Personal Loan review! Enjoy flexible rates!

Keep Reading

You may also like


College Ave student loan application: how to apply now!

Want a low-rate loan that allows co-signers? Meet the College Ave student loan application and get yours today!

Keep Reading

Ensure competitive rates: apply for Bank of America HELOC

Learn how to apply for a Bank of America HELOC and take advantage of its flexible loan options, low APR, and easy online application process.

Keep Reading

Savings vs. Checking Accounts: A Comprehensive Comparison

Savings vs. checking accounts: Discover their contrasts and similarities to identify the right one. Learn more!

Keep Reading