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Surge® Student Mastercard®: Steep Fees, Some Perks
The Surge® Student Mastercard® offers a high APR of 29.99% to 35.99% and a $75 annual fee. Ideal for credit building but costly if you're not careful.
The Quick Version
The Surge® Student Mastercard® aims to help students build credit with an initial limit of up to $1,000. However, the steep 29.99% to 35.99% APR and a $75 annual fee make it a pricey option if you don't manage payments wisely. Monthly reporting to major credit bureaus is a plus for those looking to improve their credit score.
Rates shown are representative. Your actual rate depends on your credit profile. This is not financial advice.
The Surge® Student Mastercard® is a mixed bag for students starting their credit journey.
Fees & Rates
According to the official page, the Surge® Student Mastercard® charges an annual fee of $75. The APR ranges from 29.99% to 35.99%, which is significantly higher than most student cards. There's no foreign transaction fee, which could be a minor perk for international students or travelers.
What's Actually Good
The real upside of the Surge® Student Mastercard® is its accessibility. With a minimum credit score requirement of just 300, this card is accessible to those with limited or poor credit history. Additionally, it reports to all three major credit bureaus, which is crucial for building or rebuilding credit over time.
The Catch
The biggest drawback here is the cost. A $75 annual fee and a sky-high APR can quickly add up if you carry a balance. Also, the initial credit limit tops out at $1,000, which might not be sufficient for some students. This card could easily become a financial burden if not managed carefully.
This Card Is For You If...
This card is best for students with a credit score below 600 who are focused on building their credit history. It's not for those who plan to carry a balance, given the high APR. If you're disciplined about paying off your statement in full each month, this card could help establish a solid credit foundation.
The Bottom Line
Choose this card if you're starting out and need to establish credit, but only if you're sure you can manage the high costs. Avoid if you're likely to carry a balance or if you have better options with lower fees. The Truth About Low Interest Credit Cards — 2026's Top Picks might offer more budget-friendly alternatives.
