How to Activate Your Surge Credit Crad

If you recently received your Surge Credit Card in the mail, you’re probably wondering how to activate it so you can use the card immediately after activation. The process takes just a few minutes, and we’ll show you how! Just keep these activation steps handy in case your card expires before you get to them! Our guide on activating your Surge Credit Card will have you using your card within no time!

What is Surge Credit Card? 


Surge is a credit card company that provides responsible, low-cost credit cards with no annual fee. These cards are designed for people with limited or no credit history who need access to a line of credit. You can transfer funds from an existing bank account or set up direct deposit payments through your paycheck when you activate your card. You can also sign up for the auto pay option, which will automatically withdraw money from your account each month on the same day and send it to your Surge account. 

How to Activate Surge Credit Card

To be able to use the credit cards you have just obtained, you will first need to activate them. Activating your Surge credit card only takes a few seconds after receiving it. Follow these simple steps to start your Surge Credit Card.


Step 1: Click on the link.

Before you can activate your account with Continental Finance, you need to complete a few steps. To start your credit card with Surge, click the following link.

Step 2: Enter the required information

On this page, enter the following information

  • Enter the last four numbers of the Credit Card
  • Enter the Last four numbers of the SSN
  • Enter the 5 Digit Zip Code

Step 3: Click the “Activate My Card” button

Click the Activate My Card button and enter your card number, security code, and expiration date. Once you click the Activate button, your card is activated!

Apply for Surge Credit Card


Surge credit cards are made for those looking to pay an annual fee to enhance their credit history. $120 is split into monthly installments of $10. For the first year of membership, users begin with a $380 credit limit, and charges don’t apply until the $500 limit is reached. After learning how to increase your Surge Credit Card limit, your next step is to apply for one. Yes, we are halfway through creating a Boost card for you. It takes, on average, three seconds to generate your credit card information, so please take a moment to demonstrate these details.

1: Enter the required information

To apply for Surge Credit Card, provide the following information: 

  • First and last name
  • The social security number
  • Your date of birth
  • A physical address (no P.O. Boxes)
  • Gross monthly income estimated

2: Click the Activate Now button

After you have filled out the necessary information and clicked on the Activate Now button, you will receive an email confirmation of your new account. There is no fee for card activation or monthly maintenance charges, but there is a 3% foreign transaction fee for all purchases made outside the United States. 

Activation of  New Surge MasterCard


A new or reissued Surge Credit Card can be activated online or over the phone by visiting the website on the back of the card and selecting the “Activate Now” button.

Within 30 days of receiving your new Surge Credit Card, call the toll-free activation number printed on the attached sticker from the phone number you provided on your application. 


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