Reviews
Trusted & Secure
Empowering over
50,000,000 card holders
Since 2005
- Regular Purchase APR 35.90% Fixed
- Intro Purchase APR See website for Details*
- Intro BT APR See website for Details*
- Annual Fee $75 - $125
- Credit Needed Poor / Fair
- Card Brand Mastercard®
- Regular Purchase APR 35.90% Fixed
- Intro Purchase APR See website for Details*
- Intro BT APR See website for Details*
- Annual Fee $75 - $125
- Credit Needed Poor / Fair
- Card Brand Mastercard®
Highlights
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply!
- Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
- Initial Credit Limit of $300 – $1,000 (subject to available credit)
- 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
- Online account access 24/7
- Checking Account Required
Card Fees
3% of each transaction in U.S. dollars
See website for Details*
See website for Details*
Ongoing Information
Non-rewards card
$75 - $125
Expert Reviews
From the CompareCards.com Editorial Team, updated on Aug 26, 2024
The Surge® Platinum Mastercard® is one of the only unsecured credit cards available to consumers with poor credit. That means you don’t have to put down a security deposit to get approved. However, since this card is available to consumers with poor credit, there are a number of costly fees that you should be aware of. Be sure to read the Terms and Conditions before applying for the card so you don't get caught by surprise.
The ongoing APR on this card is higher than usual, so it would be wise to pay your balance off in full each month to avoid interest charges. Overall, this card could be a useful tool to build credit if you can’t get approved for many other credit cards, but you need to consider the cost of the numerous fees and make sure it’s the right decision.
Expert Reviews of the Surge® Platinum Mastercard®
The Bottom Line
Since people with poor credit have limited options in terms of which credit cards they can get approved for, the Surge® Platinum Mastercard® is a nice option to have that doesn’t require a security deposit. But the fees can be costly, so it’s important to understand what you’ll end up paying.
The Good
This card is available to almost every kind of credit profile. The Surge® Platinum Mastercard® reports to the credit bureaus, so you use the card responsibly, your account activity will help you build your credit score.
The Not so Good
The fees and APR associated with this credit card are pretty high.
Editorial Note: This content is not provided by Continental Finance. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Continental Finance.
Consumer Reviews
OFFER RATING
/5.0
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