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Surge® Platinum Mastercard® review: should you get it?

One of the few options for building/rebuilding credit that offers up to a $1,000 limit with no initial deposit required. Meet the Surge® Platinum Mastercard®!

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Surge® Platinum Mastercard®: build your credit with up to a $1,000 limit in the first month of use!

Surge Mastercard® credit card
Learn all about the Surge® Platinum Mastercard®. Source: Continental Finance

Indeed, if you need to build/rebuild credit, it is important to go in search of a product with specific characteristics for this purpose. Thus, we are sure that our Surge® Platinum Mastercard® review is a good ally in this project.

In addition to building your credit, this card offers a generous credit limit from the start!

Surge Mastercard® credit card

Surge® Platinum Mastercard®: check out how to apply!

Build your credit with a card that offers a great limit (it doubles in six months!) and reports your payments to the main credit agencies in the country! See how to get the Surge® Platinum Mastercard®.

Take a look at our summary and learn how this credit card can help you.

Credit ScoreAll scores are welcome to apply;
Annual Fee$300 Credit Limit à $75 Annual Fee Year 1, $99 Annual Fee Year 2 (remains the same)
$500, $750, $1,000 Credit Limits a $125 Annual Fee
Regular APR29.99% (variable)
Welcome bonusNone
RewardsNone

Surge® Platinum Mastercard®: learn more about this financial product

In fact, the Surge® Platinum Mastercard® was designed for those who need to build up credit. For that reason, it offers basic perks that ensure your score improves as you use it.

To do this, this card reports its payments to the three largest credit agencies.

Plus, with this card, you can check your credit score for free every month and track your progress. In fact, this is an advantage that is not available on many similar credit cards.

What’s more, many cards require an initial deposit to use them.

However, the Surge® Platinum Mastercard® is not one of those. Here, you don’t need to make any deposit and you still get an initial credit from $300 to $1,000.

If you pay your balances on time for six months, you will be entitled to 2x your credit limit!

In addition, the Surge® Platinum Mastercard® is a card that exempts its users from liability in the event of fraud. Finally, people with bad credit can rely on this product as the credit score here is not a barrier.

Surge® Platinum Mastercard® features

Focus on the MasterCard banner of a black credit card
Learn more about the card’s pros and cons! Source: Adobe Stock.

The Surge® Platinum Mastercard® offers an excellent limit for those who don’t have credit. However, a more careful analysis is necessary to know if this should be your card.

Below, take a look at the main advantages and disadvantages of this product and draw your own conclusions.

What are the benefits? 

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time).
  • All credit types welcome to apply!
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian.
  • Initial Credit Limit of $300 – $1,000 (subject to available credit).
  • Monthly reporting to the three major credit bureaus.
  • See if you’re Pre-Qualified without impacting your credit score.
  • Fast and easy application process; results in seconds.
  • Online account access 24/7.
  • Checking Account Required.

And what are the drawbacks?

  • Very high annual fee;
  • Your APR will likely be above the market average;
  • After the first year, this card charges a monthly maintenance fee ranging from $0 to $10;
  • Some users will need to pay a 0% to 3% fee on foreign transactions.

What credit score do you need to get the Surge® Platinum Mastercard®?

If you’re considering applying for the Surge® Platinum Mastercard®, don’t worry about your score. In effect, this is a tool for building credit. Hence, it does not require any minimum credit score threshold.

How does the Surge® Platinum Mastercard® application process work?

You can apply for the Surge® Platinum Mastercard® over the phone or online. If you want to know how to apply for this card without leaving your home, click on the link below!

Surge Mastercard® credit card

Surge® Platinum Mastercard®: check out how to apply!

Build your credit with a card that offers a great limit (it doubles in six months!) and reports your payments to the main credit agencies in the country! See how to get the Surge® Platinum Mastercard®.

About the author  /  José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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