Surge Credit Card Review 2019

Surge Credit Card Review 2019
Lauren Ward
on March 22, 2020
Read in 1 min

The Surge credit card is a credit card for any kind of credit history.

It doesn’t matter if you’re building your credit from scratch or trying to recover from a financial hiccup, you have the potential to be approved for this card.

We’ll walk you through the pros and cons to find out if it’s the best fit for your needs.

Surge Credit Card Account Basics

Surge states that all credit types are welcome to apply, so it’s good for people who have had a rocky past.

Plus, since it’s a MasterCard, you’ll get all of your on-time payments reported to each of the three major credit bureaus.

The Surge credit card is easy to apply for, with both the application and approval process completed online.

If you like the idea of avoiding phone or in-person meetings, you’ll appreciate this perk.

Online access to your account is also available 24 hours a day, seven days a week.

Convenience is definitely key with this card.


The variable APR for the card is 29.99%.

Unlike other cards, you won’t be charged more for on cash advances — those also come with a 29.99% APR.

There are, however, some hefty ongoing fees, which is generally the price paid for getting a card that caters to lower credit borrowers.

Here’s a breakdown of what to expect:

  • Annual fee: $125 for the first year the account is open, then $96 per year after that
  • Monthly maintenance fee: Waived the first year, then $120 per year, which is charged as $10 each month
  • Additional card fee: One-time fee of $30 for each extra card

Additionally, if you have a late payment or a returned payment, you may be charged up to $38 for each infraction.

Account Limitations

The credit limits available with this card certainly aren’t the highest, but that’s due to the fact that most cardholders have below-average credit scores.

Expect to get approved for just a $500 to $700 credit line when you first sign up.

It’s enough to cover a financial emergency, and can grow as you continue to build a positive history with your card.

Also, note that there is no rewards program with this credit card.

Of course, the real reward is building your credit history so that you can later upgrade to a card with greater benefits.


You may not find the biggest savings with this card, but it does give you access to credit if you’re having trouble qualifying.

When you compare this option vs others, pay careful attention to both APR and the ongoing fees you’ll be expected to pay.

Both are equally important to make sure you find the best credit card possible.

Shop around for cards within a short time frame to minimize the impact on your credit score.

After some research, you can know for sure if the Surge is a good choice.

Lauren Ward Finance Journalist

Lauren Ward is a freelance content writer focusing on personal finance, real estate, and lending.

Her work has been featured on Huffington Post, CBS News, and Kiplinger.

She previously worked at the Federal Reserve Bank of Richmond as well as several national non-profit organizations.

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