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Surge Mastercard® Credit Card review

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You can apply with fair credit, but beware of sky-high fees and interest rates.

  • Get this card if you have a low credit score and want an unsecured card.
  • Pick something else if you don’t want to pay high fees or interest.
  • Apply with a credit score of 580 or higher.


Annual fee

for the first year ($96 thereafter)


Purchase APR (variable)


Recommended credit score


Product NameSurge Mastercard® Credit Card
Card typeMastercard
Annual fee$125 intro annual fee for the first year ($96 thereafter)
Purchase APR29.99% variable
Balance transfer APRN/A
Cash advance rate29.99% variable
Cash advance fee$5 or 5% of the cash advance amount, whichever is greater
Cash advance fee descriptionNo cash advance fee for the first 12 months, then $5 or 5% of each cash advance, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 25 days
Late payment feeUp to $39
Returned payment feeUp to $39
Additional cardholder fee$30

The basics

This is an unsecured card you can apply for even with damaged credit. Continental Finance, the card servicer, will report your payment history to the three major US credit bureaus, which is vital for improving your credit score. And unlike some other subprime unsecured cards, the Surge Mastercard® Credit Card has a grace period. That means you can avoid interest payments if you pay off your card balance in full each billing cycle.

Reasons to avoid this card — and which card type to get instead

Unfortunately, the card comes with heavy costs. Its annual fee will take a significant chunk out of your credit limit, and you’ll pay monthly maintenance fees starting your second card year. What’s more, you’ll pay a steep price if you carry a balance, as the card comes with a sky-high APR.

If you have bad credit, strongly consider one card type in particular: a secured card. You’ll need to put down a security deposit, but it’s refundable. Meanwhile, you could easily pay hundreds of dollars in nonrefundable fees with the Surge Mastercard® Credit Card.

The Surge Mastercard® Credit Card isn’t necessarily an unsecured card

While the card is marketed as an unsecured card, you may be required to put down a security deposit depending on your credit. Continental Finance doesn’t state how you might get this deposit back while you’re a cardholder. That’s a contrast to a provider such as Discover, which will review your account starting at eight months to see if it can return your deposit.

Card benefits

  • Apply with credit of any type.
    Continental Finance, the card servicer, markets this card to consumers with all levels of credit — good, bad and limited.
  • Payment history reported to the three major bureaus.
    As you pay your card bills, Continental Finance will report your payment history to the three major US credit bureaus: TransUnion, Equifax and Experian. With consistent on-time payments, you’ll steadily build your credit.
  • Receive a starting credit limit of $500.
    This is a good starting limit for a subprime card. However, watch out for the annual fee, which will reduce your available credit right away.
  • Get a decision on your application quickly.
    Continental Finance advertises a quick application process. Because you can apply online, you may receive an immediate decision on your application. If Continental Finance needs to review your application further, allow 7 to 10 business days to hear back.
  • Transaction fees waived for the first 12 months after account opening.
    For the first 12 months, you won’t pay cash advance or foreign transaction fees. Still, strongly consider avoiding cash advances, as they’ll accrue interest right away.

What to watch out for

  • Annual fee: $125 for the first card year, then $96.
    This is a very high annual fee, especially for a card that doesn’t offer rewards. If you don’t want to pay this cost, consider a secured card, which can be a lot cheaper. The Surge Mastercard® Credit Card annual fee will be deducted from your credit limit each card year. If you start with a $500 limit, for example, it will drop to $375 immediately.
  • Monthly maintenance fee: $10 starting the second card year.
    Starting your second card year, Continental Finance will charge $10 every month as a maintenance fee, which adds up to $120 a year. This is highly unusual for most credit cards, and it can get expensive. As with high annual fees, however, monthly maintenance fees aren’t unheard of with subprime cards. To avoid these costs, look into secured cards.
  • You may be required to put down a security deposit.
    Continental Finance will review your application for an unsecured card. However, it may approve you for a secured card instead. In that case, you may need to put down a refundable deposit of $50, $100, $150 or $500. Continental Finance may use this deposit to pay off your balance if you don’t pay your card bill.
  • High interest.
    Your purchase and cash advance APR will be 29.99% variable, which is an extremely high rate. Strongly consider paying off your balance in full each month, or you could find your interest multiplying faster than you expect.
  • Penalty and transaction fees.
    You’ll pay up to $39 per late payment and up to $39 per returned payment. These are standard across the credit card industry. After the first 12 months, you’ll pay the greater of $5 or 5% per cash advance and a 3% fee per foreign transaction.

How to apply for the Surge Mastercard® Credit Card

  1. Click apply now.
  2. Complete the application form with details like your name, address, contact information and annual income.
  3. Review your application and submit it.

What credit score do I need?

You can apply with limited, fair or even good credit. Continental Finance markets this card as a tool that helps you build or re-establish credit.

Compare secured cards

Name Product Filter values Purchase APR Annual fee Recommended minimum credit score
26.49% variable
Get access to a higher credit line after making your first 5 monthly payments on time.
19.14% variable
A secured Visa® credit card that helps you build your credit quickly.
9.99% fixed
This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
20.74% variable
Build your credit with all three major credit bureaus.
13.99% fixed
Open a personal savings deposit account to secure a credit line from $200 to $5,000.

Compare up to 4 providers

Bottom line

You can apply for the Surge Mastercard® Credit Card even if you have low to fair credit. However the card comes with steep fees and interest, and you’re not guaranteed to get the unsecured version. For this reason, you could find a better card that serves your needs.

Strongly consider a secured credit card instead, which you can get by providing a refundable security deposit.

Frequently asked questions

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  1. Default Gravatar
    August 28, 2019

    When is my Surge MasterCard arriving?

    • AvatarStaff
      August 28, 2019

      Hello Andrew,

      Thank you for your comment.

      You can expect to get the card within 10 days from the card approval.


  2. Default Gravatar
    July 9, 2019

    Where do I send my first payment to?

    • AvatarStaff
      July 9, 2019

      Hi Nakia,

      Thank you for getting in touch with Finder.

      If you wish to know more on payment methods with Surge Mastercard credit card, please visit their official page and log in or contact their customer service number that is written on this page.

      I hope this helps.

      Thank you and have a wonderful day!


  3. Default Gravatar
    February 21, 2019

    How long does it take to process payment after it has been scheduled today?

    • AvatarStaff
      February 23, 2019

      Hi Mark,

      Thanks for getting in touch with Finder. I hope all is well with you. :)

      The payment process is done almost immediately. However, sometimes, it takes up to 36 hours for your statement balance to get updated.

      You may also want to directly speak to your provider to confirm and obtain more information.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  4. Default Gravatar
    December 16, 2018

    How long does it take for the card to arrive?

    • AvatarStaff
      December 18, 2018

      Hi Sharon,

      Thanks for your question.

      The approval for this card is almost immediate and once approved, you can expect to receive the card within 10 days.


  5. Default Gravatar
    November 6, 2018

    How to set up online payments?

    • AvatarStaff
      November 7, 2018

      Hello Michael,

      Thank you for your comment.

      If you’re referring to setting up an auto-pay (online), you may log in to your Surge account and set up your account for auto pay.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


  6. Default Gravatar
    June 30, 2018

    do yall have a fax number ?

    • Default Gravatar
      June 30, 2018

      Hi Melissa,

      Thanks for leaving a question on finder.

      Please note that you came through finder. We are a comparison and general information website that help users make better decisions. Anyway, there is no information anywhere on Surge Mastercard’s fax number. You can speak to their customer service by calling 1-866-449-4514 instead to clarify on your question. Please send us a message again if you need anything else.


  7. Default Gravatar
    April 10, 2018

    I’m wondering if I got approved for my surgecard

    • Default Gravatar
      April 10, 2018

      Hi Rachel,

      Thanks for leaving a question on finder.

      For this card, approval is instant and you can expect the card within 10 days. If you see the deposit taken from your account, chances are the card is on its way. To follow up, please call the Surge customer service team at 866-449-4514. They are available Monday through Friday from 7 a.m. to 10 p.m., and Saturday from 9 a.m. to 1 p.m and tell them you applied through finder.


  8. Default Gravatar
    March 23, 2018

    I was approved instantly yesterday for the surge master card I got to looking for an email confirming it and I’ve not seen one. What can i do to use my ref number to pull whatever info I need?

    • AvatarStaff
      March 25, 2018

      Hello Amanda,

      Good day! Appreciate you contacting finder regarding your inquiry today.

      May I confirm if you applied for the card and got approved online? If so, usually there should be a confirmation email sent to you upon approval with the status of the application, refrence number and general expectations for the terms. However, if you have not received any email, it would be best to directly contact Surge to confirm the status of the application using your reference number. If possible you may also request for an email to be sent to you.

      If you’re approved and you fully fund any security deposit (if applicable), your credit card and welcome materials will be mailed within (3) business days, at which time you will be informed of your credit limit.

      To ensure your security, new cards can only be activated over the phone. Call from the phone number that you provided on your application to the toll-free activation number printed on the sticker affixed to your new card within 30 days after you receive your card in the mail.

      Hope this helps!

      All the best,

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