GetSurgeCardNow.com Offer
To use a reservation number for a Surge® Platinum Mastercard®, visit the official website at www.getsurgecardnow.com. This number is used to accept a pre-approved offer you received in the mail.
What to do if you don't have a reservation number
If you didn’t receive a mail offer with a reservation number, you can still check your eligibility for the Surge® Platinum Mastercard®:
- See if you pre-qualify: Visit www.getsurgecardnow.com to check if you pre-qualify. This uses a soft credit pull and won’t affect your credit score.
Compare Your Card Options
Not sure which card is right for you? Compare the Surge® Platinum Mastercard® with the Indigo® Mastercard® to see the key differences:
Surge® Platinum Mastercard®
- Credit Limit: Up to $1,000 (not guaranteed)
- Rewards: None
- APR: 35.90% Fixed
- Annual Fee: $125
- Security Deposit: Not required
- Credit Score Impact: Soft pull pre-approval
Indigo® Mastercard®
- Credit Limit: $1,000 guaranteed if approved
- Rewards: None
- APR: 35.90%
- Annual Fee: $175 the first year; $49 thereafter
- Security Deposit: Not required
- Credit Score Impact: Soft pull pre-approval
Choose the card that fits your credit needs best. The Surge® Platinum Mastercard® is the original pre-approved offer, while the Indigo® Mastercard® guarantees a higher credit limit if approved.
Looking for a card with rewards?
If you’d like a credit card that offers 5% cashback on gas up to $5,000 and a guaranteed $1,000 credit limit if approved, check out our review of the Milestone® Mastercard® with Cashback Rewards.
Found this guide helpful? Bookmark it for future reference as you continue your financial journey!
* See the online Getsurgecardnow.com (www.getsurgecardnow.com) credit card application for details about terms and conditions and offers.
FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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