Surge® Platinum Mastercard®
Up to $1,000 credit limit doubles up to $2,000!
(Simply make your first 6 monthly minimum payments on time)
Even if your credit isn't good, this card isn't a great choice. It's better to get a card where you pay a deposit that you can get back later. This card has high annual fees that you won't get back.
Annual Fee: $75 - $125
Why We Like It: While the card doesn't require a security deposit, it does has hefty fees.
Naam Wynn's Take
The Surge® Platinum Mastercard® is an effective credit tool for those with poor credit, offering monthly reporting to the three major credit bureaus to assist in building credit through responsible use and payments. While it includes a $75 - $125 annual fee and potential monthly fees up to $120 starting the second year, its primary advantage lies in its accessibility and credit-building potential. Despite a 29.99% (Variable) APR, which is on the higher end, this card remains a practical choice for those focused on improving their credit score.