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Surge Mastercard

Surge Mastercard Credit Building

Annual fee not published. One credit building benefit, with what each is worth and the limits that apply.

Annual fee
Not published
Benefit
1

Automatic Credit Limit Increase Reviews

Get automatic credit limit reviews every 6 months—reward your on-time payments with higher limits

Pro Tips

  1. 1Automatic reviews after 6 months show Surge's commitment to helping you build credit
  2. 2Higher limits lower utilization ratio, which significantly boosts credit scores
  3. 3Soft pulls don't hurt your credit—only hard inquiries do
  4. 4Start building credit toward better cards with each automatic increase

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.