What are the Surge Credit Card approval requirements? This question is about the Surge® Platinum Mastercard®

What are the Surge Credit Card approval requirements?

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This question is about the Surge® Platinum Mastercard®

Maria Adams, Credit Cards Moderator

@m_adams • 01/20/23 This answer was first published on 01/20/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The main Surge Credit Card approval requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments. The Surge Credit Card accepts people with bad credit.

Surge Credit Card Approval Requirements

At least 18 years old
Physical U.S. address (no P.O. boxes)
Proof of enough income to make the monthly minimum payment
Social Security number or ITIN
Checking or savings account

If you apply for the Surge Credit Card, it’s important that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.

When you submit a Surge Credit Card application, it’s possible to receive a decision in just a few seconds. But it could also take up to 30 days for the issuer to verify your identity or eligibility.

Things to Consider Before Applying for the Surge Credit Card

The Surge Credit Card is good for building credit, since it reports to the three major credit bureaus: TransUnion, Experian and Equifax.

But you should keep in mind, that it comes with pretty high fees and APRs. More specifically, the card has a $75 - $125 annual fee, a monthly fee ($0 1st yr, up to $10 after) and a 29.99% (Variable) regular APR.

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How do I apply for the Surge Credit Card?

The easiest way you can apply for the Surge Credit Card is online. Alternatively, you can apply for this card over the phone by calling (866) 513-4598. It’s also worth noting that the Surge Credit Card accepts people with bad credit.

When you apply for this card online, the issuer requires you to check for pre-approval first. So, you will have a good idea of your approval odds before submitting your application. Plus, checking for pre-approval only triggers a...

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Is the Surge Credit Card a good first time credit card?

The Surge® Platinum Mastercard® works as a first-time credit card since it is available to people with bad credit. It is not the best choice for a first-time credit card, though, because it charges an annual fee of $75 - $125, and a monthly fee after the first year.

Best First-Time Credit Cards

Overall: Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn More
Students: Capital One SavorOne Student Cash Rewards Credit CardCapital One SavorOne Student Cash Rewards Credit CardLearn MoreLearn More
Cash Back: Petal® 2 Visa® Credit CardPetal® 2 Visa® Credit CardLearn MoreLearn Moreon issuer's website
Best Rewards: Capital One QuicksilverOne Cash Rewards Credit CardCapital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn More
No Credit Check: OpenSky® Secured Visa® Credit CardOpenSky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website

You can learn more about the best first-time credit cards on WalletHub.

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