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Surge® Platinum Mastercard®

Surge® Platinum Mastercard®

Up to $1,000 Credit Limit

for new cardholders, and it can rise up to $2,000 after 6 straight on-time payments.

Apply Now

Fees

One-Time Fees$0

Annual Fee$75 - $99

Monthly FeeNone 1st yr, up to $10 after

APR on Purchases

24.99% - 29.99% (Variable)

WalletHub Review

by John Kiernan

November 7th, 2022

Surge Credit Card Pros & Cons

Qualify with bad credit

Does not require security deposit

High regular APR

Foreign fee

Surge Credit Card Review

The Surge® Platinum Mastercard® is a legit credit card for people with bad credit, not a scam. It reports to the three major credit bureaus each month, which allows cardholders to build credit by paying on time and using only a portion of their credit limit. The problem is the... show more

View 962 User Reviews

Surge Credit Card's Additional Info

cash advance fee

5% (min $5)

cash advance APR

24.99% - 29.99% (Variable)

foreign transaction fee

smart chip

Yes

max late fee

$41

max overlimit fee

max penalty APR

None

grace period

25 days

Apply Now

at Continental Finance's secure site

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!

Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)

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

Free online account access 24/7

Checking Account Required

$0 monthly fee for the first 12 months. $10.00 per month starting the second year, waived for those with a $750 or $1,000 credit limit

Apply Now

at Continental Finance's secure site

Questions & Answers

Can't find what you are looking for? Submit your question about Surge® Platinum Mastercard® to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

What are my Surge Credit Card approval odds?

Upvotes

Chip Lupo, Credit Card Writer

Your Surge Credit Card approval odds are pretty good as long as you aren't carrying too much debt and you don't have major red flags such as an ongoing bankruptcy on your credit report. You'll need enough income to pay your bills each month, too. Applicants can get approved with a bad credit score of 639 or below, however, so even a low credit score shouldn't hold you back.

The Surge Credit Card can help cardholders build or rebuild their credit scores. But before applying for the Surge Credit Card, you should compare it to the other credit cards for bad credit that are currently on the market, to make sure you find the right fit. If you end up getting denied for the Surge Credit Card, consider applying for a credit card with no credit check.

What are the Surge Credit Card approval requirements?

Upvotes

Adam Bennett

The Surge Credit Card approval requirements include having at least a bad or fair credit score (300+). Other factors are also taken into consideration, such as your income, debts or overall creditworthiness.

If you apply, you could receive a decision in just a few seconds. But it could also...

What is the Surge Credit Card interest rate?

Upvotes

Chip Lupo, Credit Card Writer

The Surge® Platinum Mastercard® interest rate is 24.99% - 29.99% (Variable), with the actual rate depending on factors such as your income, credit history and existing debt. This Surge Credit Card interest rate is variable, meaning it can change based on certain economic conditions.

The Surge Credit Card...

How can I get a Surge Credit Card credit limit increase?

Upvotes

What the credit score for surge credit card

Upvotes

How long does it take to get the Surge Mastercard credit card?

Upvotes

Tommy S Davidson, WalletHub Analyst

It takes 2 weeks at most to have your Surge Mastercard credit card in the mail.

When will I get my Surge credit card?

Upvotes

Will the Surge Credit Card help improve my credit score?

Upvotes

Phyliss Hulsey

The Surge Credit Card will help improve your credit score.

The credit card will report to all three major credit bureaus: Transunion, Experian and Equifax. That means that, as long as you keep your card in good standing, you'll be able to raise your credit score over time.

What's the Surge Credit Card payment address?

Upvotes

Adam Butcher

The Surge Credit Card payment address is: Continental Finance P.O. Box 8099 Newark, DE 19714-8099.

Simply remove the return portion of your monthly statement and mail it with a check in the amount of your payment to the address specified on your statement.

When will my Surge Credit Card payment post?

Upvotes

Alex Wise, WalletHub Credit Cards Analyst

It generally takes 1 to 3 business days for a Surge Credit Card credit card payment to post to your account if you pay online or by phone. Payments by mail will take a few days longer.

If your credit card is linked to your checking account and both accounts...

View more answers

Compare The Surge Credit Card

Surge® Platinum Mastercard®

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Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR24.99% - 29.99% (Variable)

Regular APR24.9%

Rewards RateNone

Apply Now

Surge Credit Card Reviews

Share your insights and review the Surge® Platinum Mastercard®

3.5

What's Your Rating?

dlathamjr072
September 12, 2022 • @dlathamjr072

Scam alert DO NOT USE SURGE! There are PLENTY of other more reliable credit building cards like SELF & Credit Karma. Bye Bye Surge

Comment

Jesse
August 25, 2022 • @agentfresh88

Verified Customer

I really love this card is amazing. I’d recommend this card anybody who’s trying to get ahead because I report to all three credit bureaus and they work with you very well

Comment

meowds31
August 16, 2022 • @meowds31

Verified Customer

They tell you they automatically give u an increase after 6 months, lies! It’s been going on for almost a year without one, yes I pay on time, always a few days early. They tell me bed I have declined purchases, but I had one and it was the stores fault, nothing to do with me.
Otherwise they do give you a chance when others won’t, to help rebuild your credit.

Comment

cut_cockles_0v
July 29, 2022 • @cut_cockles_0v

My credit card was paid off in full and not used in a long time and apparently suddenly was maxed out because Experian alerts let me know. I signed into my account and realized that it has been stolen and used and maxed out. I immediately called and requested the card be closed, they said they’re doing an investigation but they will not take the balance off of my card and in fact have requested I make the minimum payments on the balance, that is not mine! I’m not doing that and this is ruining my credit, do not get this card! The person who stole my cc name is Sasha Portnoff it said on the charges on my statement.

Comment

whuser67416818
July 27, 2022 • @whuser67416818

Be aware of this company as they did not honor their own promotion. I applied on the double your credit line with first six on time payments and now they are saying my application was not on that promotion. I have made all my payments on time and much more then the minimum. Apparently someone at their company did not enter my application correctly with the right code so now I'm being penalized for it. That promotion was the only reason I applied in the first place. Also since then I have not seen any ad for their company without the promotion. Pretty funny. Also when I first called they went ahead and raised my limit 300.00 Apparently for the misunderstanding. So it's like they are admitting half guilt. Luckily I did take pictures when I applied that will have the date and time along with the promotion stated. When I told them this they of course acted like they didn't believe me and said they weren't sure if they could use it. I cannot stand it when a company does not honor what they are advertising.

Comment

Kevin
July 27, 2022 • @Highstrung1169

Verified Customer

Credit limit was increased to $600 balance is $473 available credit is $127 it should be adjusted to reflect that balance as of now

Comment

Cassie
August 30, 2022 • @cassieb_5

I'm confused. The math does seem to equate... What should be different?

Comment

ovi11377
June 27, 2022 • @ovi11377

Verified Customer

Hi this is worst credit card I was only a day late and the report to credit bureau has late payment. No other credit card has done it to me. Very bad don’t apply.

Comment

lisa
July 9, 2022 • @LisaInCali

FALSE. They can only report late to credit bureaus if you are 30 or more days late. If you are late paying but under 30 days you will get charged a fee by the credit card company but they don't report it as late.

Comment

meowds31
August 16, 2022 • @meowds31

U should dispute that unless you paid 31 days late.

Comment

Sherika Hall
June 26, 2022 • @akirehs14

Verified Customer

Great Card. So happy I have this card. I got this card in Jan 2022 with $1000 limit. Today my limit has been increased to $2000. It did just what it promised it would do. I called customer service to find out when it would be increased and they said next month. Then boom, I log in today and it has increased. When I call customer service, I get through without any issues. They are always nice on the phone. I do everything through the app and it has been great. The app could use some updates and I know they think so too as I got an email last month from them about a new app coming soon. I am a very happy customer!!!

Comment

Bpop6505
June 22, 2022 • @Bpop6505

I never received my card, when I call customer service I was disconnected three times. I called multiple times with the same results.Issue was never resolved. Smells fishy to me.

Comment

gingerpumkinbailey
June 13, 2022 • @gingerpumkinbailey

Verified Customer

Got a $750 credit line. At 6 months my credit line increased to $1500. Actually increased before six months because ( I'm guessing) I made my payment two weeks prior to the due date and sometimes my card was close to the credit limit but never went over. They do however text you 3 days prior to your payment to call them if your payment hasn't been received and then they will text the next 2 days if they haven't received the payment. Called them thinking something was wrong and hold time was 45 minutes, only to be told they text because I hadn't made my payment yet. Again they start this 3 days prior to the due date. Then I just started to make my payments at least 2 weeks prior to due date. Have their other card which is Cerulean and the same thing. They will text 3 days prior to payment as well. Did receive a $750 credit line and was increased to $1500 as they say they will and it also doubled before the 6 month's was up due to my very early payment. Payments do take 10 full days on both cards to clear which is a negative but once you know it's not that big of a deal or at least to me. Was happy they honored their offer to double the credit limit

Comment

Review Surge® Platinum Mastercard®

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Surge® Platinum Mastercard®

Surge® Platinum Mastercard®

Accepted Credit Scores

Fees

APR on Purchases

WalletHub Review

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Surge Credit Card Review

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Questions & Answers

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