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Disclosure: This post may contain references to products from our advertisers. The Surge Credit Card is good for building credit, since it reports to the three major credit bureaus: TransUnion, Experian and Equifax. The Surge Mastercard ®, though, offers an unsecured credit card to consumers with bad credit with no security deposit required with a Credit Limit between $300 and $750. Surge Mastercard Credit Card Review . Surge Mastercard review. It also has some pretty high fees. We may receive compensation from products we link to. The Surge Credit Card is almost a hybrid credit card, it might no require a security deposit (depending on your credit) and that would make it an unsecured card. Surge Mastercard Credit Card Review. The Surge Mastercard® Credit Card is also offered by Continental Finance to applicants with any credit profile, including those with a limited credit history or poor credit.. Like the Matrix, this card features a fast and easy application process, with results provided online. Credit expert, licensed Insurance agent, Real Estate agent, and Co-Founder of Credit Knocks. © 2007–2021 Credit Karma, LLC. The Surge Mastercard® is a great option for a secured credit card for people with bad credit. I really need a credit card. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. Without the guarantee of an unsecured card, the Surge Mastercard® loses almost all of its appeal — especially considering its exorbitant fees. The Milestone credit card is designed for people for bad credit, so it’s good that a potential applicant can see if they pre-qualify without risking any further decreases in their credit score. Continental Finance accepts people who apply for a Surge credit card with less than perfect credit. Read our. Call Customer Service at 1-866-449-4514 © Continental Finance LLC All Rights Reserved. In any case, it’s a go-to credit card for many people with a thin credit file of bad credit. Consider the Surge Mastercard Credit Card if you have less-than-perfect credit and are looking for an unsecured credit card to get back on track. Cash advance fee: $5 or 5% of the amount of each cash advance (whichever is greater) Minimum interest charge: None. December 17, 2019 Stephen Altrogge. Say goodbye to your bad credit score! If you have received a direct mail offer from us, please select the "Accept mail offer!" The Surge credit card can be used as an effective tool to build credit. Submit your review. We appreciate your support. There’s a lot of competition in this space, so let’s see how the Surge Mastercard® measures up. button. The Surge Mastercard ® can help you achieve your goal of building or rebuilding your credit history, but the cost of having the card may not be worth it versus other cards that can do the same. Authorized user card fee: $30. Share *Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. Below, we list its features, pros, cons, and how to make it work for you. I have a $500 limit on my Surge credit card. I have a $500 limit on my Surge credit card. Surge Mastercard® Credit Card Review. The Surge credit card has an annual fee of $75 to $99, which is quite steep for a credit-building credit card. Surge your score into the stratosphere with the Surge Mastercard. Read full review. The Surge Mastercard® charges a variable 25.90% – 29.99% APR on purchases — that’s high even for starter credit cards. The Surge Mastercard is a versatile unsecured credit card offer that provides a pathway towards better credit. The total amount repayable will be $6,767.64. Below, we list its features, pros, cons, and how to make it … 0. The Surge Mastercard®, issued by Celtic Bank and serviced by Continental Finance, is designed to help people with bad credit or no credit at all start building their credit. I have the surge credit card and would say that it has worked out for me. The interest charges on even a few dollars carried over from month to month can accumulate quickly at this high rate. By Anthony Nguyen Last Updated: November 28, 2018. It offers cardholders a relatively low credit limit, which might save them from falling into unmanageable debt. You can read our advertising disclosure here. at the issuer's secure website. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers (terms apply) from our partners. The Surge Mastercard is not one of our top-rated credit cards for bad credit. Surge Mastercard Review The Surge Mastercard is a versatile unsecured credit card that provides a pathway towards better credit. • This site may be compensated through third party advertisers. Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens a Card Account. If you’re able to build your credit, applying for a more user-friendly card down the road could give you opportunities to earn rewards at a lower interest rate. Credit Karma is committed to ensuring digital accessibility for people with disabilities. Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. A few cards have APR rates that you need to review before you sign on with a bank or lender. You can submit a Surge credit card payment from your account online. Key Takeaways. 0. It has a variable purchase APR that ranges from 25.9% up to 29.99%. Advertiser Disclosure × DeluxCards is a free, promoting bolstered credit examination comparison entity. Foreign transaction fee: 3% in U.S. dollars (or $1, whichever is greater) Late or returned payment: up to $40. It offers cardholders a relatively low credit limit, which might save them from falling into unmanageable debt. Most credit cards for people with bad credit require a large security deposit. If you are at an office or shared network, you can ask the network administrator to run a scan across the network looking for misconfigured or infected devices. ACTIVATE MY CARD ABOUT FEATURES REVIEWS CREDIT TOOLS LOGIN {{spa_product_name_caps}} MASTERCARD ® REVIEWS. When searching for the best credit card for you, there are several factors that you ought to consider. Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers (terms apply) from our partners. Another way to prevent getting this page in the future is to use Privacy Pass. The offers for financial products you see on our platform come from companies who pay us. Surge Mastercard® Review. By Amber Stubbs Managing Editor | Updated Sep 29, 2020. LEARN MORE. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials. Credit Cards. Depending on the creditworthiness rating you’re given by Celtic Bank, a deposit might not be required (but could be as much as $500). Or, you can pay your Surge credit card bill by phone, at 1-800-518-6142. 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