![]() Higher-than-average APR: At 29.99%, the Surge Mastercard’s APR on purchases is significantly higher than the national average for all credit cards that are assessed interest.Though it also charges high fees, it’s unsecured for all approved users. In this case, consider checking out the Milestone Gold card instead. If you don’t qualify for this card without a security deposit, that drawback negates its value. The amount depends on your creditworthiness. The main benefit of the Surge Mastercard is that it’s an unsecured option for people with poor credit. A security deposit may apply: Applicants who fail to qualify for the Surge Mastercard without a security deposit must put down a refundable security deposit.It charges no annual fees, foreign transaction fees, monthly maintenance fees, or additional card fees, and it doesn’t require a credit check for applicants without an established credit history. Though cards for people with bad credit tend to charge fees, the Surge Mastercard’s fees are higher than you’d usually expect. If you’re looking for a credit card that is less expensive, consider the Petal credit card. Returned payment fee: If a payment is returned, you’ll pay up to $41.Late payment fee: Miss a payment and you’ll be charged up to $41. ![]() dollars made outside of the United States.
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