Full Review

The Surge Mastercard® Credit Card is a legit credit card for people with bad credit, not a scam. It reports to the three major credit bureaus each month, which allows cardholders to build credit by paying on time and using only a portion of their credit limit. The problem is the Surge Credit Card’s fees can be very high: $75 - $99 annual fee and up to $120 in monthly fees starting the second year. And at 25.9% - 29.99% (V), its APR is among the highest on the market. The Surge Card does not offer rewards on purchase, either.

As a result, there are better, less expensive credit cards to use to rebuild your credit.

The Surge Card’s potential for a high starting credit limit is perhaps its most appealing feature. However, it all depends on your overall creditworthiness when you apply.

Below, you can learn more about what the Surge Card does and does not bring to the table and why we don’t recommend it for most people with poor credit.

Surge Credit Card Review Highlights

If you decide to apply for the Surge Mastercard® Credit Card, you may receive a decision in just a few seconds. However, it could take up to 30 days if Celtic Bank is unable to immediately verify your identity or eligibility for the offer. To check your Surge Credit Card application status, call the issuer’s customer service department at 866-449-4514. There is no online tool to check your application status.


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Surge Mastercard® Credit Card Review

Men’s Wearhouse Perfect Fit Credit Card

The Men’s Wearhouse Perfect Fit Credit Card is both a credit card and a rewards card for frequent shoppers, but customers don’t have to have the Perfect Fit Rewards credit card to be part of the program.With the Rewards Program, users get certificates that are valid for a period of six months after they’re issued. For every $500 in purchases a member makes, they get a $50 rewards credit. This can save a lot of money for customers who often shop in this store.

Levin's Furniture Credit Card

Visiting top-performing stores and home furnishing retailers means you need to have your pocket be filled with cash. But with Levin Furniture Credit Card, you have a most preferred and hassle-free option to deal with payment problems. Levin Furniture Credit Card is offering 0% APR and also comes more additional advantages to best meet your requirements.

Midas Credit Card

So, this Midas store card is another credit card from Synchrony Bank. But is this credit card really worth getting it? At a first sight, this credit card doesn’t seem to offer any tangible benefits. Yet, let’s discover the details of this credit card in our Midas credit card review. Midas Credit Card is a store credit card issued by Synchrony Bank. If you're wondering whether Midas Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Kohl's Credit Card

The Kohl’s Credit Card, issued by Capital One, has “bargain shopper" written all over it. Fans of the department store can combine the card’s discount offers with rewards from Kohl’s other loyalty programs to maximize their savings throughout the year. And also, the Kohl’s Credit Card has relatively standard fees as store cards go, including a high APR.

BrandSource Credit Card

The BrandSource Credit Card is a Citi-provided credit card for financing purchases at BrandSource, a major retailer of appliances, electronics, and other home products with more than 4,500 locations nationwide. Cardholders also receive no-interest financing options and special offers and rebates.It requires a low credit rating and can be used at Brandsource stores.

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Surge Mastercard® Credit Card Payment
You can submit a Surge credit card payment from your account online. Or, you can pay your Surge credit card bill by phone, at 1-800-518-6142. Phone payments can be made from 7 am to 10 pm ET Mon–Fri, and 8 am to 4 pm on Saturday.Surge card payments can also be sent by mail. Mail a check, along wit

Surge Mastercard® Credit Card
The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.
Surge Mastercard® Credit Card

the Rewards of Surge Mastercard® Credit Card
RewardsAll credit types welcome to applyFree access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)Monthly reporting to the three major credit bureausFast and easy application process; results in secondsUse your card at locations everywhere Mastercard® is acceptedChec

How to Apply For Surge Mastercard® Credit Card
You may apply for a Surge credit card online from the websiteCall 1-866-513-4598 Return the acceptance certificate from the pre-selected offer that you received in the mail. To apply for a credit card online, over the phone, or through the mail some basic information will be required. 

How to Get the Most Out of Surge Mastercard® Credit Card
Build credit in the short termThe Surge Mastercard® should be considered only after you’ve reviewed other options on the market. Compare offers for cards for poor credit or secured credit cards on Credit Karma to start. If you’re not sold after researching your other options, the Surge Masterca