Surge Mastercard® Credit Card

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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.

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pros and cons

Easy to qualify for, even with bad credit

Reports to all three credit bureaus

Offers prequalification without a hard credit check

Charges high annual and monthly fees

High APR


Annual Fee

$75 - $99

Purchase APR

25.9% - 29.99% (V)

Foreign Transaction Fee


Cash Back


Credit Score


Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

Merrick Bank Credit Card

Merrick Bank, for those of you who aren’t familiar with the institution, is an online lender headquartered in Utah that specializes in credit cards and boat/RV financing. That’s interesting enough, but the Merrick Bank Secured Visa Card doesn’t offer much to hold your attention. Don’t get us wrong; it’s not a bad card. It’s just a no-frills, moderately priced option with competitors that are both cheaper and more exciting.

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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. 
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
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
Full ReviewThe 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 Cr
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