What's the initial Surge Credit Card credit limit?
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.
Up to $1,000 Credit Limit
for new cardholders, and it can rise up to $2,000 after 6 straight on-time payments.
Up to $1,000 Credit Limit
for new cardholders, and it can rise up to $2,000 after 6 straight on-time payments.
Fair Credit, Bad Credit
24.99% - 29.99% (Variable)
Qualify with bad credit
Does not require security deposit
No rewards
No rewards bonus
No intro APR on purchases
No balance transfers allowed
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
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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.
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.
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.
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.
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.
Your Surge credit card minimum payment is 1% of your balance + any late fees.
The Surge credit card is a Mastercard and those can be used pretty much anywhere domestically and abroad.
Share your insights and review the Surge Mastercard®
Great 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
I’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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