Reviews

Surge® Platinum Mastercard® credit card review: credit limit even for the lowest scores

If you have a bad score or no score, this is an excellent way to fix it. Learn more about the advantages of this card and what makes it so successful in our Surge® Platinum Mastercard® credit card review!

Advertisement

by Suzana Brito

09/01/2022 | Updated on 01/03/2023

Surge® Platinum Mastercard® credit card: a handy tool to fix your limited credit

Surge Mastercard® credit card
Find out the benefits Surge® Platinum Mastercard® credit card has to offer. Source: Continental Finance

Do you have a bad credit score? Are you looking for a way to get back on your feet financially? If so, then the Surge Surge® Platinum Mastercard® credit card review will show you what to do.

This credit card is made specifically for consumers with bad credit, so it might help you rebuild your credit history. Still, you can check your score for free.

Surge Mastercard® credit card

How to apply to Surge® Platinum Mastercard®

A credit card can be the best choice if you want to build your score. Read on to learn how to apply for the Surge® Platinum Mastercard®!

Plus, the Surge® Platinum Mastercard® comes with many other benefits, including up to a $1,000 credit limit. And that doubles up to $2,000 over time. Great, isn’t it?

So if you’re looking for a way to improve your finances, stay tuned to our Surge® Platinum Mastercard® credit card review, and see if it is worth considering.

  • Credit Score: All scores;
  • Annual Fee: $300 Credit Limit à $75 Annual Fee Year 1, $99 Annual Fee Year 2; $500, $750, $1,000 Credit Limits à $125 Annual Fee;
  • Regular APR: 29.99% variable APR;
  • Welcome bonus: N/A;
  • Rewards: N/A.

Surge® Platinum Mastercard® credit card: how does it work?

Writing note showing Bad Credit Question We Can Help. Business concept for Borrower with high risk Debts Financial White pc keyboard with note paper above the white background
See how Surge® Platinum Mastercard® will improve your score. Source: Adobe Stock

Continental Finance services are responsible for the Surge® Platinum Mastercard® credit card. It is one of the country’s best-rated agencies for credit rebuilding.

Surge® Platinum Mastercard® is for people with limited or poor credit. Because of that, one of the major advantages of this card is that it can help you improve your credit score.

It also reports your payments to the three credit bureaus in the country.

So, if you make payments on time, you may boost your score and even be eligible for a higher credit limit (up to $2,000).

On the one hand, it is considered a very high credit limit for a ruined score’s unsecured card.

On the other hand, you’ll have to pay one of the highest APRs in the market: a $29.99 variable for purchases.

Another negative point is the annual fee of $75 to $99. It is relatively expensive, and the terms don’t clarify how this fee is applied from consumer to consumer.

In addition, you’ll still have to consider up to $120 in monthly fees (combined annually) after the first year. The Surge® Platinum Mastercard® does not offer rewards or bonuses, either.

Advertisement

Surge® Platinum Mastercard® credit card: should you get one?

Surge® Platinum Mastercard® works as an intermediary on your way to raising your poor score. However, there are less expensive options to do it.

But if you like the idea of its attractive credit limit and want to know more before deciding whether to apply for one, have the pros and cons in mind.

Advertisement

Pros

  • Available all credit scores;
  • No security deposit;
  • Reports to credit bureaus;

Cons

  • High APR;
  • No bonuses;
  • No rewards;
  • High fees.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Credit score required

The Surge® Platinum Mastercard® credit card accepts applicants of all credit scores. However, it aims for the lowest ones to repair credit history.

Surge® Platinum Mastercard® credit card application: how to do it?

Do you like the Surge® Platinum Mastercard® above all the options available to rebuild your limited credit? Then, find out how to apply for this card.

It will only take you a few minutes to find out all the requirements to qualify. You can read our post below to learn all about the application process!

Surge Mastercard® credit card logo

How to apply for Surge® Platinum Mastercard®

A credit card can be the best choice if you want to build your score. Read on to learn how to apply for the Surge® Platinum Mastercard® credit card!

About the author

Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

Trending Topics

content

Chase Bank review: is it the best choice for you?

Learn what you need to know about Chase Bank, its pros and cons, the products and services it offers and make an informed decision.

Keep Reading
content

Citrus Loans review: how does it work and is it good?

Do you need a loan for an unexpected expense? Check out our Citrus Loans review to see if this lender is right for you. Read on!

Keep Reading
content

Walmart MoneyCard review: Prepaid debit card for Walmart shoppers

All you need to know about the Walmart MoneyCard is in our Walmart MoneyCard review. Find out if it's a good solution for your needs!

Keep Reading

You may also like

content

You can now remove yourself from Google’s search results

Now it’s possible to fill out an online form and ask Google to remove your personal information from its search engine. Learn more here.

Keep Reading
content

Learn to apply easily for the LendingClub Personal Loans

Whether you want a loan for home remodeling or debt consolidation, here are some steps to apply for LendingClub Personal Loans. Keep reading!

Keep Reading
content

First Progress Platinum Prestige Mastercard® Secured Credit Card review

Do you have bad credit? If so, read our review to learn all about the First Progress Platinum Prestige Mastercard® Secured Credit Card!

Keep Reading