Overall, the Surge Mastercard® Credit Card is a decent option if you want an unsecured credit card but have bad or limited credit. But if you don’t want to be stuck paying an additional fee each month after the first 12 months of card membership, you may be better off with a card that doesn’t charge a monthly maintenance fee, like the Capital One Platinum Credit Card.
If you aren’t able to qualify for an unsecured card, you may want to consider a secured card, like the Secured Mastercard® from Capital One, instead. The Secured Mastercard® from Capital One, which requires a refundable deposit (terms apply), also grants an increased line of credit after making your first five monthly payments on time. Additionally, the Secured Mastercard® from Capital One does not charge annual or monthly fees.
Whichever card you choose, remember that your end goal is to establish or improve your credit. Therefore, be sure to use your card responsibly by paying your bill on time and in full (when possible) each month. Also, maintain a low credit utilization ratio (the amount of your credit card balance compared with the credit limit). A good credit utilization ratio is typically below 30% — meaning, if your credit limit is $500, you should keep your card balance under $150.