Surge Master Credit Card Review

boy and girl check master credit card reviews

If you are planning to rebuild your credit FICO score with the help of a less expensive and beneficial credit card, then the Surge Mastercard credit card is the best choice. In a search for low APR, less interest rate, low annual fees, and more credit limit, Surge will be your legit partner. 

Surge credit cards are the most convenient option for people who have a bad credit history because of the low credit limit of their previous cards.

Your spending power increases with this credit card because you will be able to make transactions without worrying about exceeding the limits. 

Why Choose A Surge Credit Card?

Surge report to all three major credit bureaus that make it one of its highlighting features. You can choose any credit type and enjoy the paybacks and rewards of their credit cards through

Surge Master credit cards are unsecured, which means that you can apply for them with a low FICO score or a bad credit history. So, if you are struggling with the constant rejections on credit card applications try your luck with a Surge credit card. 

Perks And Rewards 

Following are some of the major perks and rewards you can get by using a credit card

  1. Monthly reporting to the three major credit bureaus
  2. Free access to your Vantage 3.0 score from TransUnion*
  3. Free online account access 24/7
  4. $125 membership fee the first year, $96 after.
  5. $500 credit limit
  6. NO intro APR, but 29.9% after the first year (18.20%. for secured credit cards)
  7. Easy balance transfer with a $0 fee
  8. No over-limit or penalty APR
  9. Credit limit increases within 6 months 
  10. $0 fraud liability

Eligibility Criteria For

It is quite easy to get approved for a Surge Master credit card because of the simple eligibility criteria. You just have to be careful about some basic requirements, and you are good to receive a confirmation message of your verification. Your credit score can range from 300-850 and you are still eligible to get qualified for the Surge card.

  1. You need to provide authentic information including your name, email address, SSN, date of birth, and maiden name.
  2. You are required to provide the bank details including bank account number, account id, bank branch code, and monthly income. 
  3. You must be of the age of more than or equal to 18 by the time of applying.
  4. You must not be involved in any criminal activity and not have been titled as bankrupt for not paying debts.
  5. You should not have any pending loans on any other Surge credit card you have used before.

If you fulfill the basic criteria for approval, there is nothing that can stop you to qualify for a surge credit card. To knowing more terms and conditions, you can visit

businessman apply Apply A Surge Credit Card

Activate At

  1. For the activation of your Surge credit card, you need to sign in to your account
  2. If you don’t have an account, register your card by clicking on the “register now” button. 
  3. You will be directed towards the registration page where you have to fill up the required fields.
  4. Enter the last 4-digits of your credit card, the last 4 digits of your Social Security Number, your date of birth, and your 5-digit zip code. Click on ‘lookup account” and your username and password will be provided to you.
  5. Sign in to your account and find the activation page.
  6. Open the page and enter the 16-digit card number and select a security key for it.
  7. Make sure your security code is easy to remember but hard to guess. 
  8. You can also keep a security question so that your Surge credit card account will also remain secure. 
  9. Your credit card at will be activated within 24 to 36 hours of applying.

Apply For A Surge Credit Card

  1. Visit
  2. You will be redirected to a new page where an application form will be displayed. (
  3. Start the 1st step of your application by filling up the fields required to gather your basic information.
  4. You will have to provide your full name, address, residence type, city, state, zip code, email address, and phone number.
  5. Confirm whether you have an active bank account or not.
  6. Agree to the terms and conditions and confirm your age to continue to the next page.
  7. Fill up the next page with all the required information, and submit your application.
  8. You will receive your card within 30 days of your application approval.

Apply Through Phone Number

If you are unable to apply online for some reason, feel free to call the customer support center of Surge’s credit card. You can dial 866-449-4514 from Monday to Friday from 7 am to 10 pm. Talk to a customer care specialist and ask them for the application form. They will ask you about all the details, so keep your documents handy.

Activation By Phone Number (1-866-449-4514)

If nothing works for you, and you cannot activate your credit card through your online account, then the customer support team is always ready to help you. Call 1-866-449-4514 and provide them with the 16-digit credit card number. You will be asked to create a security key on your phone keypad. Create a secure code for your credit card with which you will make transactions and payments. Your card will be activated!

What Can You Do With A Surge Credit Card?

Online banking has never been so easy before the Surge credit card. You are among the few lucky people left in this world if you are a Surge credit card user, and here is why:

  • You can make a Surge credit card payment
  • It is easy to enroll for receiving online statements for your Surge card
  • You can view recent transactions
  • You can view previous statements
  • You can keep a check on your payment history
  • You can check your balance and other important Surge credit information at

Surge Credit Card Payment Methods

Surge credit cards charge you up to a $40 penalty fee for late payments, so if you really want to up your credit game, follow the given payment methods to pay bills on time.

Pay Online

  1. Go to and select your Surge Card on the next page
  2. Sign in to your account and search for the ‘pay my bill’ tab.
  3. You will open the next page where you will have to enter your bank details i.e. your bank name, branch code, credit card number, code, and payable amount. 
  4. Select the payment date and submit the payment. 
  5. You can check your balance after you receive the confirmation notification. 

Over The Phone

Dial 1-800-518-6142 and make surge credit card payments easily and in no time. Just talk to the representative, and provide them with the required information.


Surge Card
P.O. Box 6812
Carol Stream, IL 60197-6812

Customer Support Services

The customer support team of Surge Credit Cards is ready to assist you 24 hours per day, 7 days per week.
Have a Question? Call Customer Service at 1-866-449-4514
Lost/Stolen Card1-800-556-5678

Mailing address:

For inquiries: P.O. Box 3220, Buffalo, NY 14240-3220
For funding and security deposits: P.O. Box 8099, Newark, DE 19714-8099

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