Credit Cards

Surge Mastercard® Credit Card review: rates, pros and cons

Want to know if the Surge Mastercard® Credit Card is right for you? Learn about its rates, benefits, and drawbacks compared to other credit cards.

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Surge Mastercard® Credit Card: Qualify with bad credit and double your limit in 6 months! 

Surge Mastercard® Credit Card full review! Source: The Insider Advisor

Do you need to improve your credit score but don’t know how to start? Well, we have something that might help you. Meet the Surge Mastercard® Credit Card! 

Surge Mastercard® Credit Card

Learn how to apply for the Surge Mastercard® Card

Find out how to apply for the Surge Mastercard® Credit Card and start building your credit today! Qualify with bad credit!

In this post, we’ll explore the rates, advantages, and disadvantages of this credit card. It will help you decide if this card is right for you or not! So let’s get started with this full review.

Credit ScoreBad Credit – 300 or higher
Annual FeeSee terms
Regular APR25.90% to 29.99% variable APR
Welcome bonusN/A
RewardsN/A

All you need to know about the Surge Mastercard® Credit Card

Woman hand holding credit card
All you need to know about the Surge Mastercard® Credit Card. Source: Freepik

The Surge Mastercard® Credit Card was designed for people with bad credit scores. This unsecured credit card is issued by the Celtic Bank and reports payment history to credit bureaus, so you can start building credit.

This card charges an annual fee. After one year from account opening, you will also pay a monthly maintenance fee. 

Additionally, it charges a variable of 25.99% to 29.99% APR, which currently is one of the highest in the market. No intro APR period is offered. 

Theis credit card offers an initial limit that ranges between $300 and $1000. You can double your limit in six months if you make on-time monthly minimum payments. 

Surge Mastercard® Credit Card details

This credit card is an excellent way to build a credit score and start a healthier financial life. However, it doesn’t offer many benefits. Let’s compare its advantages and disadvantages, and see if it’s the right fit for you.

Advantages

  • Qualify with bad to fair credit;
  • A security deposit is not required;
  • Easy and fast application process;
  • Double your credit limit in 6 months;
  • Build a credit history;
  • Enjoy Mastercard Zero Liability Protection;
  • Get free access to your credit score every month.

Disadvantages

  • This card offers no rewards or bonuses;
  • High fees and interest rates;
  • You cannot make balance transfers;
  • Charges a monthly maintenance fee.

What is the credit score necessary to apply?

All types of credit are welcome to apply for this credit card! Therefore, you will need a credit score of at least 300 to qualify for it. 

Learn how to get the Surge Mastercard® Credit Card

Applying for this credit card is easy. You can apply online and get a result in seconds. If you want to learn how to apply for it step by step, read de next article. We’ll explain everything you need to know to get your card.

Surge Mastercard® Credit Card

Learn how to apply for the Surge Mastercard® Card

Find out how to apply for the Surge Mastercard® Credit Card and start building your credit today! Qualify with bad credit!

About the author  /  Beatriz Vieira

Beatriz Vieira is a producer and copywriter who is part of the finance writer team in this portal. She has a degree in Journalism and aims to improve her bilingual writing skills. Her subjects of most significant interest are culture, finances, and self-development.

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