Surge Logo

Minimum credit limit:



Annual fee:


$75 – $99



24.99% – 29.99% (Variable)

Credit check:



Editorial Rating

Surge Credit Card Review

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Minimum credit limit:



Annual fee:


$75 – $99



24.99% – 29.99% (Variable)

Credit check:



Foreign transaction fee:


0 – 3% of each transaction in US dollars

Cash advance fee:


$5.00 or 5% (whichever is greater)

Rewards (cashback):



Bank account requirement:



Surge Logo

Editorial Rating

If you’re looking for a way to build your credit score then an unsecured credit card is the way to do it. One such option is Surge Mastercard®. It offers you a way to pay for unexpected expenses, all while helping you improve your credit score. Additionally, the credit card doesn’t require a hefty deposit before you can use it.

But before you choose Surge Mastercard®, you may want to consider several factors, such as:

  • What fees does the card charge?
  • What is the line of credit?
  • Does the card offer credit limit increases?
  • How to apply for a Surge credit card?

You can find all this information and more in our Surge credit card review.

Surge Credit Card Application Process and Requirements

It’s quite easy to apply for the Surge credit card because the process is completely online. All you need is a laptop or smartphone and a secure internet connection. You’ll need to fill out your personal information, including your name, address, and total monthly income.

To qualify for Surge Mastercard®, you must meet the following criteria:

  • Be 18 years or older (19 if you live in Alabama)
  • Have a valid Social Security Number (SSN)
  • Have a qualifying bank account
  • Have a steady monthly income
  • Be a US citizen

Even though the Surge Mastercard® is designed for people with poor credit and the approval odds are high, it’s not guaranteed that you’ll be eligible for the card. The good news is that Surge Mastercard® only runs a soft inquiry to pre-qualify you, which won’t impact your credit score. If approved, though, the issuer will do a hard pull to verify your identity and eligibility for the offer.

Surge Mastercard Review

Before you apply, you should consider all Surge Mastercard® benefits and costs. In this section, we’ll discuss all these features.

Security deposit & credit limit

The Surge credit card doesn’t require a security deposit because it’s an unsecured card. However, in some cases, the issuer might ask for collateral to reduce the risks associated with consumers’ accounts. If required, this security deposit would equal the amount of the credit limit you’ve been approved for.

The Surge Mastercard® credit limit is between $300 and $1,000. This is relatively high for an unsecured credit card. Another benefit of the Surge credit card is that you can be eligible for a credit limit increase if the account has been open for six months or longer. Your credit line can double to $2,000 if you maintain your account.

Surge Mastercard® fees

One of the major drawbacks of the Surge Mastercard® is the high fees. The annual fee is between $75 and $99. On top of that, there’s a monthly maintenance fee between $0 and $120 annually (billed at $0 – $10.00 per month).

When you apply for the Surge Mastercard®, you’ll be subject to a $30 card fee. For any late payments or returned payments, you’ll be charged $40. To avoid these extra fees, you must make payments on the 25th of every month.

And for any cash advances, you’ll be charged either $5.00 or 5% of the amount of each cash advance, whichever is greater. Also, if you’re using the card to purchase goods in another currency, you’ll be charged up to 3% of each transaction in US dollars.

Reporting to credit bureaus

One of the Surge Mastercard® benefits is that the company reports to all three major credit card bureaus – TransUnion, Experian, and Equifax. This allows you to improve your credit score by making on-time payments every month.

What’s more, when you sign up for the Surge Mastercard® account and enroll for e-statements, you’ll have access to a free monthly credit score report. This allows you to track your credit score improvement progress and helps you achieve your goal.

Free fraud protection plan

Surge Mastercard® offers $0 fraud liability to cardholders. With this fraud protection plan, you won’t be liable for any unauthorized charges to your card. You will only be responsible for the purchases you make.

Online account management

To manage your account, you can download the Surge credit card app onto your smartphone. The app is available for iOS and Android users. You can use it to view statements, make payments, and communicate with customer care. You can also access your payment history on the go.

Surge Mastercard® complaints

Although the Surge credit card offers many perks, such as high credit lines and fraud protection, it also has some drawbacks.

In Surge Mastercard® reviews from customers, there have been complaints about their accounts being hacked. Other customers complain about the high annual fees and how difficult it is to get a replacement card.

Surge Mastercard Alternatives

If you’re apprehensive about choosing this card based on the customer complaints mentioned above, then one of the alternatives below may be a better fit for you. Take a look at the comparison table below.

Surge Mastercard® Total Visa® Indigo® Mastercard® Reflex Mastercard®
APR 24.99% – 29.99% (variable) 34.99% (fixed) 24.9% (fixed) 25.90% – 29.90%
Credit check Yes Yes Yes Yes
Deposit No No No No
Type of card Unsecured Unsecured Unsecured Unsecured
Credit limit $300 – $1,000 $300 $300 $300 – $1,000
Annual fee $75 – $99 $75.00 for the first year. After that, $48.00. $0 – $99 $75 – $99
Foreign transaction fee Up to 3% None – Can’t use the card outside of the US 1% 3%
Cash advance fee 5% or $5 (whichever is greater) None for the first year. After that, either $10.00 or 3% of the amount of each cash advance, whichever is greater. 5% or $5 (whichever is greater) 5% or $5 (whichever is greater)

Indigo® vs Surge credit card

Indigo® Mastercard® is another unsecured credit card but has major differences compared to Surge. Firstly the Indigo card has a fixed APR of 24.9%, whereas Surge Mastercard® has a variable APR of 24.99% – 29.99%. Indigo also offers lower foreign transaction fees and annual fees.

Surge vs Reflex credit card

Reflex is almost identical to the Surge Mastercard® because it has the same line of credit, foreign transaction and cash advance fees. The only difference is the annual fee. For the first year, Surge Mastercard® will charge a $125 annual fee. After that, it will cost you $96, which is $3 cheaper than Reflex Mastercard®.

Total credit card vs Surge card

Total Visa® may have cheaper annual fees than Surge, but it has higher cash advance fees. Furthermore, you can’t use the Total credit card to purchase goods outside the US, but you can with the Surge Mastercard®.

Final Thoughts

The Surge Mastercard® is designed to help people with bad credit improve their scores so they can be eligible to take out loans, other credit cards, and even mortgages. It also has extras such as fraud protection and an online app so you can manage your account on the go.

On the other hand, many alternatives have lower APRs and annual fees than Surge Mastercard®. Also, in some cases, the issuer may require a security deposit, losing its appeal as an unsecured credit card.


  • Considers applicants with poor or damaged credit
  • Reports payment history to all three major credit bureaus
  • It offers a credit increase
  • Has a mobile app for Android and iOS


  • High fees
  • Security deposit may be required
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Editorial Rating


Is Surge Mastercard® a secured credit card?

No, the Surge Mastercard® is an unsecured credit card that requires no deposit. However, depending on the applicant’s creditworthiness, the issuer may ask for collateral in the form of a security deposit equal to the credit line they have been approved for.

How long does it take to receive a Surge credit card?

Once you’re approved for the Surge Mastercard® will be mailed to you within three business days.

What bank issues Surge credit cards?

The Surge Mastercard® is issued by Celtic Bank and serviced by Continental Finance. The bank also issues other popular credit cards such as Reflex Mastercard® and Indigo® Mastercard®.

Does Surge give credit increases?

With the Surge Mastercard®, you can be eligible for a credit limit increase if the account has been open for six months or longer. You can view more details about this card in our Surge credit card review above.