- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types are welcome to apply!
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- See if you're Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Free online account access 24/7
- Checking Account Required
4.1 / 5.0 (13 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
24.99% - 29.99%*
APR Type:
Annual Fee:
See Terms*
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Card for Bad Credit
Instant Decision
No Credit / New to Credit
Credit Needed:
Grace Period:
25 days*
Min Credit Line:
Max Credit Line:
Late Payment Fee:
See Terms*

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):
See Terms

Other Fees

Application Fee:
See Terms
Additional Fees
- Return Check Fee: Up to $41
- Late Payment Fee: Up to $41

Review by

Ready for a better financial opportunity? The Surge credit card, backed by Mastercard, delivers many advantages, regardless of one's credit history. With a faster approval process, today's modern consumers will appreciate the straightforward approach from this bank and this offer.

These days, consumers want more, but they don't want to be overwhelmed with the unnecessary 'fluff' that comes with many of today's financial tools. Fortunately, customers have seen firsthand the difference a simpler approach makes. No worries about hidden or surprise fees and no worries about changing policies; you'll see a transparent business model designed with the customer as the priority. Isn't that what we all really want, anyway?

Not only will you have the strength of Mastercard behind you, but you'll enjoy the latest in payment processing, bill management and online services in one convenient website. Safety is our priority so you don't have to lose sleep over the ever-increasing hacks. Rest assured we are focused on keeping your information safe.

Applying is easy and finding the terms and conditions is always front and center. Apply quickly online for a fast answer or if you've received a pre selected offer in the mail, you can easily access the terms of your offer with the certificate number provided.


Most attractive:
- All credit accepted
- Instant decision
- Credit reporting
- High credit lines
Least attractive:
- Annual fee
- Maintenance fee

Rewards & Benefits

Other Benefits:
See website for other benefits
Online Access:
Credit Reporting:

*The information provided for Surge Mastercard® is believed to be accurate at the time of evaluation (May 20, 2022). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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