Little to no credit history can prevent consumers from getting a credit card. That’s where the Surge Mastercard Credit Card comes in. They allow you to get an unsecured card without having to put down a large opening deposit.
A major downside to this is that this card comes with high fees and a lack of rewards you can earn. Continue reading to learn more about the Surge Mastercard and if it’ll work for you.
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Business Complete Checking® | $300 or $500 Cash | Review |
| Chase Private Client | $3,000 Cash | Review |
| Chase Total Checking® | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
| J.P. Morgan Self-Directed Investing | Up To $700 Cash | Review |
Surge Mastercard Credit Card Summary
(Visit the link above to sign up at Surgecardnow.com)
| Bonus Available | No sign-up bonus available for this card |
| Balance Transfers: Intro | N/A |
| Purchases: Intro APR | N/A |
| Monthly Servicing Fee | See Terms* |
| Regular APR | See Terms* |
| Cash Advance APR | See Terms* |
| Annual Fee | See Terms* |
Recommended Free Credit Score
PROS
- Potential unsecured card access
- Monthly reporting to three major credit bureaus
CONS
- Sky-high fees
- Higher-than-average APR on purchases
- No rewards
Card Highlights
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
Surge Mastercard Fees
The Surge Mastercard Credit Card is an unsecured card, as a cardholder you will be paying a lot of unusual fees with this. Many things make up their “high fees” that we mentioned. The biggest one is their annual fee which is relatively high for the first year. Afterwards though, it will either match or be greater than the first year’s annual fee.
There is additionally a monthly maintenance fee associated with this card, as well as an additional user charge. If you travel outside the United States, you will be charged a foreign transaction fee for every purchase. If you miss a payment or have a payment returned you will be charged as well.
Surge Mastercard Features
- Monthly Credit Reporting: Monthly reporting to the three major credit bureaus.
- Credit Limit Increase: Free automatic account reviews for credit limit increases.
- Free Credit Score: Access to your monthly Vantage 3.0 credit score.
- Account Notifications
- Customize your notifications to better manage your spending and payments.
- Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
- Credit Limit: Card offers are for an authentic Mastercard with a Credit Limit between $300 and $1,000.
Who Should Apply For This Card?
This card is for people who have poor or no credit that are interested on a credit card, but can’t do so because of bad or no credit. Also, this card is great if you can’t afford to put down the large security deposit of a secured card.
Author’s Verdict
The Surge Mastercard Credit Card is best for those who want an unsecured card that has the perks of a secured card. This means you can open the card even if you have little to no credit with the perks of having your report go to the major credit bureaus at the end of each month.
Make sure to also visit BankDealGuy to explore more credit card bonuses. If you’re indecisive of which card best suits you, see our post on the Best Credit Card Categories!
(Visit the link above to sign up at Surgecardnow.com)
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Private Client | $3,000 Cash | Review |
| U.S. Bank Business Checking | $900 Cash | Review |
| U.S. Bank Business Checking | $400 Cash | Review |
| Chase Business Complete Checking® | $300 or $500 Cash | Review |
| KeyBank Key Smart Checking® | $300 Cash | Review |
| Truist One Checking | $400 Cash | Review |
| Chase Total Checking® | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| J.P. Morgan Self-Directed Investing | Up to $700 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
| SoFi Checking and Savings Account | $325 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $1,000 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $100 Cash | Review |
| Fifth Third Bank Checking | $400 Cash | Review |
| Axos Basic Business Checking | $400 Cash | Review |
| Axos Business Interest Checking | $400 Cash | Review |
| Axos Bank Business Premium Savings | $375 Cash | Review |
The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
