Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Mastercard Standard
Credit Required
Poor
Benefits & Perks
Combined Protection Value
$100
Build credit with Equifax, Experian, and TransUnion—monthly reporting to all major bureaus helps you establish or rebuild credit history
Zero liability for fraudulent charges—you're completely protected against unauthorized use
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Reviews & Analysis
Details & Terms
| Purchase APR | 29.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| Surge Official | — | Surge Official |
| RewardsCC API | — | RewardsCC API |
| Surge Official | — | Surge Official |
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
