What's the initial Surge Credit Card credit limit?
4
UpvotesReply
Jamie Thompson
The Surge credit card is adverstised as having an initial credit limit of $500. Thet's reasonable when it comes to unsecured cards for bad credit.
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Surge Mastercard®
Surge Mastercard®
Up to $1,000 Credit Limit
for new cardholders, and it can rise up to $2,000 after 6 straight on-time payments.
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Sponsored Card
APR879Reviews76Q&AContact
APREditor ReviewQ&ACustomer Reviews
Up to $1,000 Credit Limit
for new cardholders, and it can rise up to $2,000 after 6 straight on-time payments.
Accepted Credit Scores
Accepted Credit Scores
Fair Credit, Bad Credit
Fees
One-Time Fees$0
Annual Fees$75 - $99
Monthly FeeNone 1st yr, up to $10 after
APR on Purchases
24.99% - 29.99% (Variable)
Editor's Take
by John Kiernan
May 20th, 2022
Surge Credit Card Pros & Cons
Qualify with bad credit
Does not require security deposit
No rewards
No rewards bonus
No intro APR on purchases
No balance transfers allowed
Surge Credit Card's Additional Info
| cash advance fee | 5% (min $5) |
| cash advance APR | 24.99% - 29.99% (Variable) |
| foreign transaction fee | 3% |
| smart chip | Yes |
| max late fee | $41 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
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
Questions & Answers
Can't find what you are looking for? Submit your question about Surge Mastercard® to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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What are the Surge Credit Card rewards?
3
UpvotesReply
Lisa Cahill
The Surge Credit Card doesn't offer any rewards. Credit cards for people with bad credit don't usually have a rewards program. There are a few exceptions, though. The Discover it® Secured Credit Card, for example, comes with 1 - 2% cash back.
What credit bureau does the Surge Credit Card use for approval?
3
UpvotesReply
Evelyn Boros
The Surge Credit Card uses TransUnion for approval. For reporting your financial activity, on the other hand, it uses all three major bureaus. So besides TransUnion, count on your Experian and Equifax reports being updated as well.
Can I get the Surge Credit Card if I'm in Puerto Rico?
3
UpvotesReply
Cecil Fisher
No, you cannot get the Surge Credit Card if you're in Puerto Rico.
As an alternative, I'd suggest applying for the Walmart® Store Card, which accepts applicants from Puerto Rico.
How can I apply for the Surge Credit Card via mail?
3
UpvotesReply
Timber Lee
You can only apply for the Surge Credit Card via mail if you've received a pre-approved offer.
Otherwise, you can apply online or by calling (866) 513-4598.
How can I pay my Surge Credit Card with a debit card?
3
UpvotesReply
Does the Surge Credit Card do a hard pull?
3
UpvotesReply
How much is the Surge Credit Card minimum payment?
3
UpvotesReply
Tommy S Davidson
Your Surge credit card minimum payment is 1% of your balance + any late fees.
Can I use my Surge Credit Card anywhere?
3
UpvotesReply
Ashley Wade
The Surge credit card is a Mastercard and those can be used pretty much anywhere domestically and abroad.
What is the Surge Credit Card exchange rate?
2
UpvotesReply
Compare The Surge Credit Card
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR24.99% - 29.99% (Variable)
Regular APR24.9%
Regular APR24.9%
Rewards RateNone
Rewards RateNone
Rewards RateNone
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Surge Credit Card Reviews
Share your insights and review the Surge Mastercard®
3.6
879 reviews
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1 Star Rating
I was approved instantly 8/9 and it is now 9/13 still haven't received my card. I have followed all the directions given by their team. I sent in proof of address, verified my social security number/ birth date/ address. They finally updated my address and told me my card would be sent out, but than I received a letter from them stating I need to send in additional documentation!!!! WORST SERVICE I HAVE EVER EXPERIENCED!
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5 Star Rating
Verified CustomerGreat card to build credit I have been using it for 6 years starting with $300 credit line now $2000 is $ 99 per year plus $10 per month $220 total but I am grateful
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5 Star Rating
Verified CustomerI haven’t been able to get a credit card bc of my past credit n surge MasterCard has giving me another chance to prove that this won’t happen again thank u for giving people another chance at life
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4 Star Rating
Verified CustomerMy experience has been great. Thank you for the second chance to build my credit . I will pay more than the minimum per month
Thank you
Thank you
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5 Star Rating
This company started me off with a $500 limit and in one year I'm now at 1100 credit limit. They have given me a credit limit every 6 months with no fee. It's worth the $10 a month because all other cards are stingy with credit line increases
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3 Star Rating
This is a decent card if you have poor credit. Yes they charge fees and high interest but my credit score is only a 600 I can't really expect much else. I pay in full each month and my credit score has gone up several points just in the last 6 months and they doubled my credit limit. A good card to help with credit if used responsibly. If you are looking to max it out and pay the minimum every month this isn't the card for you and maybe that's why your credit isn't good to begin with.
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3 Star Rating
Verified CustomerSurge is part of a group if lots of cards. It is really expensive and only worth it if you need to improve your credit score. But their customer service has been good lately
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3 Star Rating
Verified CustomerI Have had the card for nearly a year, no credit increase- although I pay my balance in full every month. I use the card regularly but the Creditor removed reporting my card from credit report which caused my score to slightly drop
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1 Star Rating
I opened a Surge Secured card in March; I prepaid paid the $129.00 annual fee and whatever additional fees associated with opening the secured account. It took more than 15 days for them to post the prepayment. Two days later I prepaid an additional $1,000 to the card to make sure that no interest payments would accrue on the account, despite the limit only being $500. I received a letter on 4/19/21, dated 4/9/21 informing me that the account was suspended due to unusual activity. When I called, the rep wanted to conference call Wells Fargo to VERIFY that the payment was legitimate... After being disconnected I called back and got another rep who confirmed that the payments had cleared. I closed the account and was told that I would receive a refund for $1,000, the overpayment. This card cost me $129.00 and I never used it. DO NOT WASTE your time or money with this card, there are plenty of other secured cards to choose from that are better. Open Sky was simple and provided me with immediate funds of $3,000, the amount paid on the card.
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Thing goes with me every time I would make a payment they would refuse the payment and send it back to the bank and then I would get a late charge so every single time I paid a payment on that surge card I would get a late charge on top of it this company sucks I would never recommend surge to anyone I canceled my card and I told them that if I had to call them one more time this was like the six-time that I was going to cancel my car they all it happened again so I called them and I told them to take me off their list cancelled the card and the balance should be paid with my refunded amount that they charged me I guess to sign up for the card I don't know I just recently found out about that anyways that's what's supposed to happen we'll see
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Thanks for the Open Sky info I will check on that one surge card sucks like one person said run don't walk run away from that card don't even get the surge card to search cards they will charge you late charges every single time and they will not take care of your bill properly so that you do get a late charge
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2 Star Rating
Verified CustomerI’ve had my account for over a year, receiving several credit line increases and I’ve only used my card mainly to pay a bill. Look at my account this morning and my card was used fraudulently by one of their reps. How do I know I called to complain and let them know about it, they made me look like I did it and the Rep hung up on me. I made a police report and I will be faxing it to their fraud department ASAP. There will be charges against the individual that did this and they will lose their job I will see to it. Be very careful when speaking to their rude staff.
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If they don't respond or even if they do, I would send this complaint to your state's Attorney Generals Office. You can also send your complaint to the Federal Trade Commission (FTC). Both offices will investigate.
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Offer last updated: May 20th, 2022 at 15:39 ET