Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.

CardRewards

MASTERCARDMastercard Standard

Surge Mastercard

Name: Surge Mastercard
Brand: Continental Finance
Availability: InStock

Annual Fee

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Mastercard Standard

Credit Required

Poor

Benefits & Perks

Insurance & Protections

Combined Protection Value

$100

Reports to all 3 bureaus

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

$0 fraud liability—complete protection

Zero liability for fraudulent charges—you're completely protected against unauthorized use

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Reviews & Analysis

Pros and Cons

Pros

+Available to consumers with bad credit, limited credit, or no credit history
+No security deposit required (unsecured card)
+Reports to all three major credit bureaus (Equifax, Experian, TransUnion)
+Automatic credit limit increase reviews after 6 months of responsible use
+No authorized user fee

Cons

-High annual fee ($99)
-Very high APR (29.99%)
-No rewards or cash back program
-Low initial credit limit ($300-$1,000 based on creditworthiness)
-3% foreign transaction fee
-High late payment fee ($40)

Details & Terms

Payment Terms

Purchase APR	29.99% (Variable)
Cash Advance APR	29.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

Explore More

See all Continental Financecards →Browse all card categories →Browse all card benefits →Browse all credit cards →

MASTERCARDMastercard Standard

Surge Mastercard

Annual Fee

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Mastercard Standard

Credit Required

Poor

Benefits & Perks

Insurance & Protections

Combined Protection Value

$100

Reports to all 3 bureaus

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

$0 fraud liability—complete protection

Zero liability for fraudulent charges—you're completely protected against unauthorized use

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Reviews & Analysis

Pros and Cons

Pros

+Available to consumers with bad credit, limited credit, or no credit history
+No security deposit required (unsecured card)
+Reports to all three major credit bureaus (Equifax, Experian, TransUnion)
+Automatic credit limit increase reviews after 6 months of responsible use
+No authorized user fee

Cons

-High annual fee ($99)
-Very high APR (29.99%)
-No rewards or cash back program
-Low initial credit limit ($300-$1,000 based on creditworthiness)
-3% foreign transaction fee
-High late payment fee ($40)

Details & Terms

Payment Terms

Purchase APR	29.99% (Variable)
Cash Advance APR	29.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

Explore More

See all Continental Financecards →Browse all card categories →Browse all card benefits →Browse all credit cards →

MASTERCARDMastercard Standard

Surge Mastercard

Annual Fee

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Mastercard Standard

Credit Required

Poor

Benefits & Perks

Insurance & Protections

Combined Protection Value

$100

Reports to all 3 bureaus

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

$0 fraud liability—complete protection

Zero liability for fraudulent charges—you're completely protected against unauthorized use

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Reviews & Analysis

Pros and Cons

Pros

+Available to consumers with bad credit, limited credit, or no credit history
+No security deposit required (unsecured card)
+Reports to all three major credit bureaus (Equifax, Experian, TransUnion)
+Automatic credit limit increase reviews after 6 months of responsible use
+No authorized user fee

Cons

-High annual fee ($99)
-Very high APR (29.99%)
-No rewards or cash back program
-Low initial credit limit ($300-$1,000 based on creditworthiness)
-3% foreign transaction fee
-High late payment fee ($40)

Details & Terms

Payment Terms

Purchase APR	29.99% (Variable)
Cash Advance APR	29.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

Explore More

See all Continental Financecards →Browse all card categories →Browse all card benefits →Browse all credit cards →

Who It's Best For

Best For

✓Consumers with limited, bad, or no credit seeking an unsecured card
✓People who cannot qualify for other credit building options
✓Those who need reporting to all three credit bureaus
✓Individuals wanting automatic credit limit increase reviews

Not Ideal For

✗Anyone who qualifies for lower-fee credit building alternatives
✗Consumers who want rewards or cash back (no rewards)
✗People who may carry a balance (29.99% APR)
✗International travelers (3% foreign transaction fee)
✗Those seeking a long-term everyday spending card

Who It's Best For

Best For

✓Consumers with limited, bad, or no credit seeking an unsecured card
✓People who cannot qualify for other credit building options
✓Those who need reporting to all three credit bureaus
✓Individuals wanting automatic credit limit increase reviews

Not Ideal For

✗Anyone who qualifies for lower-fee credit building alternatives
✗Consumers who want rewards or cash back (no rewards)
✗People who may carry a balance (29.99% APR)
✗International travelers (3% foreign transaction fee)
✗Those seeking a long-term everyday spending card

Who It's Best For

Best For

✓Consumers with limited, bad, or no credit seeking an unsecured card
✓People who cannot qualify for other credit building options
✓Those who need reporting to all three credit bureaus
✓Individuals wanting automatic credit limit increase reviews

Not Ideal For

✗Anyone who qualifies for lower-fee credit building alternatives
✗Consumers who want rewards or cash back (no rewards)
✗People who may carry a balance (29.99% APR)
✗International travelers (3% foreign transaction fee)
✗Those seeking a long-term everyday spending card

At a Glance

Insurance & Protections

Reports to all 3 bureaus

$0 fraud liability—complete protection

Credit file monitoring and fraud alerts

Pros and Cons

Pros

Cons

Payment Terms

Evidence Sources

Explore More

At a Glance

Insurance & Protections

Reports to all 3 bureaus

$0 fraud liability—complete protection

Credit file monitoring and fraud alerts

Pros and Cons

Pros

Cons

Payment Terms

Evidence Sources

Explore More

At a Glance

Insurance & Protections

Reports to all 3 bureaus

$0 fraud liability—complete protection

Credit file monitoring and fraud alerts

Pros and Cons

Pros

Cons

Payment Terms

Evidence Sources

Explore More

Zero Liability on unauthorized transactions

24/7 lost/stolen card assistance worldwide

$100/claim purchase protection (45 days)

Who It's Best For

Best For

Not Ideal For

Zero Liability on unauthorized transactions

24/7 lost/stolen card assistance worldwide

$100/claim purchase protection (45 days)

Who It's Best For

Best For

Not Ideal For

Zero Liability on unauthorized transactions

24/7 lost/stolen card assistance worldwide

$100/claim purchase protection (45 days)

Who It's Best For

Best For

Not Ideal For