High annual and monthly fees. The Surge Mastercard® charges an annual fee ranging from $75 to $99, and it’s not clear how they choose the fee within the range. Doing the quick math, $75 is 25% of the card’s $300 minimum credit limit, which is a pretty high percentage of your credit limit. But it gets worse.The easiest way you can apply for the Surge Credit Card is online. Alternatively, you can apply for this card over the phone by calling (866) 513-4598. It's also worth noting that the Surge Credit Card accepts people with bad credit. When you apply for this card online, the issuer requires you to check for pre-approval first.

© 2023 Continental Finance, LLC. CFC eCS P2.0.117.100623.1Errors on your credit report can lower your credit score, affecting your ability to borrow money. Here's how to dispute mistakes. Join 2 million+ members who count on a Mission Lane Visa® Credit Card. See if you’ll be approved before you apply with no impact to your credit score.

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