Who it's for
Students with bad credit denied by other issuers
Surge Student Mastercard
Student card for limited credit with pre-qualification.
Last checked on September 1, 2026. We may earn a commission when you click through.
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✓ Pre-qualification available
✓ Reports to all 3 bureaus
✓ Accepts bad credit
Surge Student Mastercard
Mastercard · student
Our Verdict
Last-resort student card with high fees. Only consider if denied everywhere else.
What it really costs
| Annual fee | $75 |
|---|---|
| APR Range | 29.99% – 35.99% |
| Minimum credit score | 300 |
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The good and the not so good
- Pre-qualification available
- Reports to all 3 bureaus
- Accepts bad credit
- High annual fee ($75)
- Very high APR
- Low credit limits
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