Surge Credit Card: double your credit line

The Surge Credit Card is available for those with a damaged credit score, and there’s no security deposit required. Check the full review!


The Surge credit card is issued by Continental Finance and offers a great deal for you to have a $2000 credit line, even if you have a damaged credit history.

So, if you don’t have a good credit score right now, this just might be the answer to getting approved for a credit card.


In this quick article, we’re doing a full review on the Surge credit card, all its features and how to get pre-approved for it without hurting your credit score! You’ll see:

Surge credit card


Learn how to get pre-approved for the Surge credit card online
  1. Surge Credit Card: how it works
  2. Pros and Cons
  3. How to get pre-approved

Surge Mastercard Card: how it works

As we already mentioned, the Surge card is a great option if you don’t have a good credit score, as it is designed to help you increase that score (FICO, Experian etc.).

To make things simple, here’s how it works:

  • You get approved even if you have a bad credit.
  • There’s no security deposit required.
  • Initial limit is of at least $300, ranging up to $1000.
  • That limit can be doubled up to $2000 by keeping your payments on time for the first 6 months.
  • All payments are reported to the main credit bureaus, raising your FICO score.
SURGE CREDIT CARD - Learn how to apply for it online

Also, it’s worth noting that the Surge card carries the Mastercard flag, which makes the holder eligible to the benefits offered by the brand for this card in particular.

Pros and Cons


  • Easy approval,
  • Credit limit can be doubled in six months,
  • Raises your FICO score rapidly,
  • Mastercard Benefits,
  • Zero Fraud Liability,
  • No security deposit required.


  • APR is variable (depending on your creditworthiness),
  • APR on cash advances (see terms),
  • Foreign fees might be applicable,
  • Checking account required.

How to get pre-approved

You can get pre-qualified and apply for the Surge online at its official website, maintained by its issuer, the Continental Finance group.

Note that the pre-qualification process won’t hurt your FICO score and that you’ll get a response by Continental instantly.

If you need any help in pre-qualifying or applying for the Surge card, make sure to visit our quick step-by-step guide to get it over with in just a few minutes and check if you’re pre-approved!

Check our quick guide for the Surge credit card application