Surge® Platinum Mastercard®

Highlights

Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
Initial Credit Limit of $300 – $1,000* (subject to available credit)
All credit types welcome to apply!
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
Use your card at locations everywhere that Mastercard® is accepted
Free online account access 24/7
Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
Checking Account Required
Mastercard Zero Liability Protection (subject to Mastercard guidelines)

Give Your Credit a Surge

It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!

How it Works

The Surge credit card is designed for people with less than perfect credit who want to get back on track. After you complete our short and easy online application, your results will be ready in a matter of seconds! Don’t miss this chance to Surge!

Why Choose the Surge Card?

If you have poor credit and are trying to improve your credit score, using a credit card responsibly may help. The Surge Mastercard® will report your payment activity to the three major credit bureaus on a monthly basis. Maintaining a low balance and paying your bill on time every month are two of the best practices for positive credit.

Get Approved Today!

It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!

* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.

Additional Info

Credit Needed: Bad/Fair
Purchase Intro APR : N/A
Balance Transfers Intro APR : N/A
Regular APR: 35.90% Fixed
Annual Fee: Credit Limit of $300: $75 introductory fee for the first year, then $99 thereafter Credit Limit of $500, $750, or $1,000: $125 annually
Cash Advance Fee – Credit Limit of $300 or $500: $0 introductory fee for the first year, then either $10 or 3% of the amount of each Cash Advance, whichever is greater.
Cash Advance Fee – Credit Limit of $750 or $1,000: Either $10 or 3% of the amount of each Cash Advance, whichever is greater from the date your Account is opened.
Foreign Transaction Fee – Credit Limit of $300 or $500: $0 introductory fee for the first year, then 3% of each transaction in U.S. dollars.
Foreign Transaction Fee – Credit Limit of $750 or $1,000: 3% of each transaction in U.S. dollars from the date your Account is opened.
Monthly Servicing Fee: Credit Limit of $300 or $500: $0 introductory fee for the first year, then $150 thereafter (billed $12.50 per month).
Late Payment Fee: Up to $41
Returned Payment Fee :Up to $41

Specifications

Rewards	n/a
Intro (Purchases)	n/a
Intro (Transfers)	n/a
Regular APR	35.90% Fixed
Annual Fee	Credit Limit of $300: $75 introductory fee for the first year, then $99 thereafter Credit Limit of $500, $750, or $1,000: $125 annually
Monthly Fee	N/A
Credit Recommended	Bad/Fair
Cash Advance APR	n/a
Cash Advance Fee	Credit Limit of $300 or $500: $0 introductory fee for the first year, then either $10 or 3% of the amount of each Cash Advance, whichever is greater.
Cash Grace Period	n/a
Late Payment Fee	Up to $41
Return Check Fee	See Terms
Foreign Trans Fee	See Terms
Balance Transfer Fee	See Terms