How Does The Surge Mastercard® Credit Card Work?

Posted on February 5, 2021 in Credit Cards

A new credit card can be a versatile tool if you’re looking to improve your bad credit, but you need to carefully pick your new account. Look for a card like the Surge Mastercard®, which offers an initial credit line of up to $1000. There’s the potential to increase your credit limit after just six months, and you can feel confident in your purchases thanks to a $0 fraud liability guarantee. 

Best of all for credit rebuilders, the Surge Mastercard® helps you improve your credit right away thanks to monthly reporting to the three major credit bureaus. Now that you know why the Surge Mastercard® Credit Card is such a good credit card, read on to find how it works.

Surge Mastercard® Credit Card Details

The Surge Mastercard® credit card features a fast and easy application process. Surge Mastercard® allows you to prequalify and see if your application will be approved. There’s no credit check necessary to prequalify, so you can learn about your approval chances without any negative impact on your credit score.

Your Surge Mastercard® is widely accepted. You can feel confident when shopping thanks to the included 0% liability guarantee, which promises that you’re never responsible for unauthorized purchases.

Depending on your credit, the Surge Mastercard® offers an APR between 24.99% and 29.99%. This APR applies both to purchases and to cash advances. The account has no minimum interest charge, and you aren’t responsible for any interest if you pay your entire balance by your monthly due date. Regular payments are a great way to improve your credit, so if you make each month’s payment on time, you can build your credit score while saving on charges.

The Surge Mastercard® does include some fees. You’ll pay between an annual fee of between $75 and $99 on your first year with the account, and then $99 each following year. There is a $10 monthly maintenance fee which is waived your first year. You’re also responsible for a one-time new card fee of $30.

Surge Mastercard® Credit Card Benefits

The Surge Mastercard® includes many benefits for qualified account holders, including:

  • Prequalification check. Learn if you’re likely to be approved with no credit check.
  • Fast and easy approval process. If you’re approved, you can quickly start using your account.
  • An initial credit limit of up to $1000. Every account is approved for at least $300 in credit.
  • Opportunity to increase your credit limit after as little as 6 months. You can increase your limit with proven responsible usage.
  • All accounts are reviewed for a credit limit increase after 12 months. A higher credit limit helps you reduce your credit utilization ratio, which can raise your credit score.
  • 0% fraud liability. Stay protected from unapproved purchases made on your account with this guarantee.
  • Free monthly credit score check. You can keep track of your financial progress by regularly monitoring your credit score. Save money with free monitoring by Surge Mastercard®.

If you’re rebuilding your credit, one of the most important benefits to the Surge Mastercard® is its regular reporting to the three major credit bureaus. Remember that your credit score evolves based on your real-time credit usage. You can improve your score every month with responsible credit usage. The Surge Mastercard® is a valuable credit reporting tool that can rebuild your score.

Surge Mastercard® Application Process

The Surge Mastercard® offers a fast, easy, and secure application process. You can see if you prequalify for an account in under a minute. There’s no credit check to check your prequalification status, so this is a great way to see if you can open an account without risking a check showing on your credit record. 

The application asks for basic personal information, such as your name, address, and Social Security number. You’ll also be asked about your monthly income, whether you’re employed, and if you have another active account at this time. 

The Surge Mastercard® application site is a secure, safe page online. Your personal information is protected at all times using 128-bit digital encryption.

Surge Mastercard® Login

Once you’re approved, you can also access your Surge Mastercard® through a secure web portal. Use the Surge credit card login to take care of paying your bills, checking account status, and more. You can also download a robust, easy-to-use mobile app to your smartphone to check your account wherever you go.

How do I pay my Surge credit card?

Simply log in to the Online Account Management page to access your full account. You can view statements online, make payments, confirm your due dates, and more. Surge Mastercard® also offers a mobile smartphone app, which you can download through the App Store or Google Play.

How do I check the status of my Surge credit card?

You can check your Surge credit card status through your Online Account Management system. Log in to your system through the Surge Mastercard® website, or check your mobile app for status checks on the go.

Build & Monitor Credit

The Surge Mastercard® offers several tools for building and monitoring your credit. This account reports your payments and usage to the three major credit bureaus every month. Regular payments and responsible credit activity are some of the most powerful ways to rebuild your credit or improve upon a poor credit score. Simply make your payments on time to watch your credit score start to improve. 

With responsible handling of your account, you can build your credit history. Get access to 24/7 credit monitoring with Surge Mastercard®.

Surge Mastercard® Customer Service

Your Surge Mastercard® includes a helpful customer service resource! Whether you have questions about due dates, want to explore your online options, or need to discuss anything else about your account, customer service is there to help. Give Surge Mastercard® a call at 1-866-449-4514 with all your questions.

Apply for the Surge Mastercard®Credit Card Today!

Get started with an easy, secure application. There is no credit check required to prequalify, so see if you’re eligible to open a Surge Mastercard® credit card today.

Searching for more credit card ideas? Take a look at popular cards below:

Principal Platinum Merchandise® Credit Card
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Reflex Mastercard® Credit Card
Total Visa® Credit Card
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Milestone Gold Mastercard®
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