The Surge Mastercard is designed for users with no credit history or a subpar credit score, so it should be within reach for most credit-builders. Bad reviews of this card are nonsense. A pre-qualification process generates an offer that specifies the annual fee and APR. Full Review … Meet the Surge credit card, which is brought to you by Continental Finance, the company behind the Verve, Matrix, and Cerulean cards.When I first saw this card, I admit I cringed a little because of the company’s history with less-than-stellar credit cards. I had an issue on the mobile app there isn't a area that says debit card or credit card when trying to pay the payment. This card is a privilege for people with bad credit to obtain. The Surge Mastercard is issued by Celtic Bank and is made for limited or bad credit.When you use this card, your payment activity will be reported monthly to the three major credit bureaus, which can help you build credit.If you have less than perfect credit, you may want to apply for this card but beware the possible sky-high interest rate, monthly fees, and lack of any valuable card benefits. Read 1 more review about Surge Mastercard® Only the latest review will count in the company's TrustScore Gary Albert ... polite, professional, and knew.her job.very well. Learn more about this card, read our expert reviews, and apply online at CreditCards.com. I have the surge credit card and would say that it has worked out for me. In this review, we’ll break down the pros and cons of the Surge Mastercard® Credit Card, as well as how it compares with the Capital One Platinum Credit Card. Surge Mastercard® Disclosure : Annual fee: $125.00 for the first year, after that $96.00 annually Purchase and cash advance APR: 29.99% This APR will vary with the market based on the Prime Rate. The Surge Mastercard® Credit Card is a no-frills Mastercard that offers a potential $300 to $750 credit line. The Surge Mastercard® Credit Card welcomes all credit types. Those people were given the chance as me. The Surge Mastercard is a versatile unsecured credit card offer that provides a pathway towards better credit. If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit. I do not use this card but I am assessed interest charges with no activity on my account. The Surge Mastercard is not one of our top-rated credit cards for bad credit. You can review our list of the best credit cards for bad credit for what we think are better options. Surge Mastercard® Credit Card Review. Where the Surge Mastercard® Credit Card stands out. Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers (terms apply) from our partners. I have a $500 limit on my Surge credit card. Find out all about the Surge Mastercard Credit Card - we'll provide you with the latest information and tell you everything you need to know to find your perfect card. Don’t want a secured credit card or can’t afford a security deposit; Want a card that reports activity to the three major credit bureaus; Want the security of an optional credit protection program; Surge Mastercard Review. Like most credit cards, however, the Surge Mastercard requires applicants to have a checking account. This card enabled me to get a high enough credit score where I no longer need to pay for a credit card. By Amber Stubbs Managing Editor | Updated Sep 29, 2020. Credit requirement. 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