Surge credit card basics. Annual fee: $75 to $125. Welcome bonus: None. Rewards: None. APR: 35.90% fixed APR on purchases. Other perks and benefits: Potential credit limit increase after 13 months ...

You can expect a higher APR on a credit-building card, but Surge Mastercard's is 29.99%, one of the highest in the market. In comparison, the Citi® Secured Mastercard® has a variable rate of 27.74%.