Surge Mastercard Credit Card review |

Surge Mastercard® Credit Card review

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Surge Mastercard® Credit Card

Rebuild your credit with this card that features high approval rates and reports to all three credit bureaus.

With high approval rates and reporting to all three credit bureaus, the Surge Mastercard® Credit Card is designed to help customers with poor credit scores build or rebuild their credit. Secured, partially secured and unsecured options are available depending on your credit score at the time of application.

Product NameSurge Mastercard® Credit Card
Card typeMastercard
Annual fee$125 intro annual fee for the first year ($96 thereafter)
Standard purchase APR29.99% variable
Intro purchase APR


Intro balance transfer APR


Cash advance rate29.99% variable
Cash advance fee$5 or 5% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 25 days
Late payment fee$38
Returned payment fee$38
Additional cardholder fee$30
Minimum Age18 years of age

The basics

The Surge Mastercard® Credit Card features high approval rates and reporting to all three credit bureaus, making it a great way to start building or rebuilding credit. Qualified applicants may be eligible for the unsecured or partially secured versions, but will otherwise be approved for the fully secured version. Credit limits range from $50 to $500, providing a bit of flexibility to your spending habits.

Unfortunately, there are a handful of downsides to this card as well. The first year annual fee is a whopping $125, decreasing to $96 for the second year but adding $10 monthly maintenance fees. The card also has a 29.99% variable APR, so if you do decide to go with this option, avoid holding a balance at all costs.

An alternative card for building credit: Indigo® Platinum Mastercard® Credit Card

  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.
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What’s great about this card?

The card has high approval rates and flexible credit limits, making it a great starter card if you have limited or poor credit. There is an unsecured option which may work for people who can’t put down a deposit for a secured card and have been denied for other unsecured cards. However, eligibility for the unsecured option is unclear, although some people have reported that it is obtainable despite very low FICO scores.

Payments are due after a 25-day grace period following the end of each billing cycle. Just make sure you pay on time since the APR and late fees are extremely high. This card is great for those who have been rejected by other cards and need a starting point before moving on to a less expensive card with better benefits.

How to make this card worth it

The expensive annual fee and very high APR would be worth it if it had a signup bonus or rewards program, but unfortunately this card offers neither. If you decide to get this card, the best way to take advantage is to pay off your balance in full, always on time. Consider using this card as a stepping stone to building your credit score, moving on to a cheaper card once you are eligible.

What to watch out for

Unfortunately, there are a few things you should watch out for if you decide to go with this card.

  • High APR. This card has a 29.99% variable APR, which is much higher than many other secured card options.
  • High annual and late fees. Many secured cards don’t have annual fees, or they at least have low transaction fees to compensate. This card has both a high annual fee and monthly maintenance fee starting the second year. Late and returned payment fees are also much higher than other secured cards.
  • No signup bonus or rewards program. Some secured cards offer a rewards program or signup bonus, but not this one.
  • No interest on deposit. If you choose the secured or partially secured options, be aware that you will not earn interest on your deposit.
  • First year fee charged up front. The $125 annual fee will be charged immediately upon approval and will be deducted from your credit limit. For example, if you start with a $500 limit, that drops to $375 for the first month when you consider the upfront annual fee.

Compare secured cards

Name Product Filter values Purchase APR Annual fee Recommended minimum credit score
19.64% 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.
See issuer's website
See terms
Designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit.
26.74% variable
No credit history or minimum credit score required for approval.
9.99% fixed
Low fixed interest rates with no penalty rate.
14.74% variable
No minimum credit score and no credit history required.
20.74% variable
Build your credit with all three major credit bureaus.
10.74% variable
Build or rebuild your credit with this secured card.
13.99% fixed
Open a personal savings deposit account to secure a credit line from $200 to $5,000.
13.99% fixed
Designed for those with little or poor credit, the Green Dot primor® Mastercard® Classic Secured Credit Card has no minimum credit score requirements and no processing or application fees to worry about.
9.99% fixed
Fast, easy application process with no processing or application fees.
17.99% fixed
Borrow up to $10,000 and get your credit score back on track.
24.74% variable
Build, improve or rebuild your credit with a secured credit card.
21.24% variable
Establish credit history and with responsible use you may be upgraded to an unsecured credit card.
26.99% variable
Get access to a higher credit line after making your first 5 monthly payments on time.
22.49% variable
Helps establish, strengthen and even rebuild your credit.

Compare up to 4 providers

How to apply for the Surge Mastercard® Credit Card

Applying for the Surge card is easy, approval is quick and your chances of approval are high. Your application can be completed online or by phone.

Apply online

1. Visit the credit card page on the Surge Mastercard® Credit Card website and click Start your application.
Surge Mastercard® Credit Card Screenshot 1 2. Complete the application form with your personal and housing info, then click Continue Your Application.
Surge Mastercard® Credit Card Screenshot 2 3. Fill in your date of birth, Social Security number and financial information, answer the three questions and then click Continue Your Application.
4. Agree to the terms of service and e-signature, then click Submit.

Apply by phone

If you’d rather apply by phone, you can do so by calling 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. If you decide to go this route, make sure you have your personal and financial information on hand, including:

  • Personal info, date of birth, and Social Security number
  • Housing info
  • Financial/income info
  • Employment info

How likely is my approval?

Since this card is made for beginners or anyone rebuilding credit, approval rates are very high.

How long will it take to be approved?

Approval is almost immediate, and you can expect to get the card within 10 days. If you see the deposit taken from your account, chances are the card is on its way.

I got the card. Now what?

Now that you’ve been approved, it’s time to start using your card. Here’s how to take advantage of your new Surge Mastercard® Credit Card.

  • Activate your card. Once it arrives, activate your card by calling the customer service line on the card.
  • Make timely payments. Mail in your payment or pay through your online account. And you’ll avoid interest on your purchases by paying your balance in full.
  • Set up autopay. Avoid unnecessary fees and interest by setting up automatic withdrawals for your monthly payments.
  • Customer service. Support is available by phone or secure email through your online account.

What do customers say?

Continental Finance is not rated on TrustPilot, but they are BBB-accredited since 2017, boasting an A+ rating. Customer complaints mention trouble accessing deposits through their online services, along with a general lack of communication. Many others mention undisclosed fees and trouble having them removed, so be wary.

The card doesn’t have a great reputation online. Many of the issues associated with the bank also carry over to the card, leading to multiple complaints regarding delays, rejections after they were already approved among others.

Bottom line

This card could be a last resort if you can’t get approved for any other secured card. While approval rates are high, there are plenty of other secured cards with much lower fees and better benefits that are just as easy to qualify for.

However, if you can’t get approved for other cards, this card is a good stepping stone as you work towards a more affordable card.

Frequently asked questions about Surge

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14 Responses

  1. Default Gravatar
    NakiaJuly 9, 2019

    Where do I send my first payment to?

    • Avatarfinder Customer Care
      JeniJuly 9, 2019Staff

      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!


  2. Default Gravatar
    MarkFebruary 21, 2019

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

    • Avatarfinder Customer Care
      JoshuaFebruary 23, 2019Staff

      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!


  3. Default Gravatar
    SharonDecember 16, 2018

    How long does it take for the card to arrive?

    • Avatarfinder Customer Care
      AnndyDecember 18, 2018Staff

      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.


  4. Default Gravatar
    MichaelNovember 6, 2018

    How to set up online payments?

    • Avatarfinder Customer Care
      JhezNovember 7, 2018Staff

      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.


  5. Default Gravatar
    melissaJune 30, 2018

    do yall have a fax number ?

    • Default Gravatar
      joelmarceloJune 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.


  6. Default Gravatar
    RachelApril 10, 2018

    I’m wondering if I got approved for my surgecard

    • Default Gravatar
      joelmarceloApril 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.


  7. Default Gravatar
    AmandaMarch 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?

    • Avatarfinder Customer Care
      RonMarch 25, 2018Staff

      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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