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Surge Mastercard

Surge Mastercard General Protection

Annual fee not published. 2 general protection benefits, with what each is worth and the limits that apply.

Annual fee
Not published
Estimated value
$30/yr
Benefits
2

Mastercard Global Service

Included

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

Value Analysis

Estimated Value
$5

Credit Reporting to All Three Bureaus

Build credit with Equifax, Experian, and TransUnion—monthly reporting to all major bureaus helps you establish or rebuild credit history

Pro Tips

  1. 1This card accepts applicants with no credit history or bad credit—this reporting is your opportunity
  2. 2Automatic credit limit reviews every 6 months reward responsible use with higher limits
  3. 3Payment history matters most—focus on 100% on-time payments for maximum credit building
  4. 4After 6-12 months of responsible use, you'll qualify for better cards with lower fees

Value Analysis

Estimated Value
$25

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.