Surge Mastercard® Credit Card

Oct 28, 2020
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Imagine a great credit card offer, lower fees, backing by one of the most recognized names in the financial sector and even a solid customer service team that stands ready to help, no matter the time or day? Think it doesn't exist? Rest assured it does. The Surge Mastercard credit card is what many have been waiting for. Visit the site and learn more about this great offer today.


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See Terms *



196 User Ratings Surge Mastercard® Credit Card

at Celtic Bank Secured website

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Intro APR
Intro APR Period
Min. Credit Level

Card Details

  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you're Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required
  • Read the Review of Surge Mastercard credit card
$ 1 2020-10-29 InStock

Expert Review

The Surge Mastercard credit card is a credit-builder credit card issued by Celtic Bank and serviced by Continental Finance Company. It's either unsecured or or secured credit card. The credit card issuer decides which type you will get based on your previous payment history, credit score, and average gross monthly income.

The Surge Mastercard credit card is a credit-builder credit card issued by Celtic Bank and serviced by Continental Finance Company.

It's either unsecured or or secured credit card. The credit card issuer decides which type you will get based on your previous payment history, credit score, and average gross monthly income.

If you get approved for the secured version, you will have to pay a deposit, which can between $300 and $750.

Who is This Card For

Being a credit-builder card, it can help people with less than a good credit score or no payment history at all repair, re-establish, or build credit from scratch.

People who don't stand a chance of getting a credit card they want, due to bad credit ratings or limited credit history, can use this card to start building and improving their credit.

If you want an easy-to-get Mastercard that still reports your transaction history to all major credit bureaus, this is a viable option.

Surge Mastercard Benefits

The application procedure is very easy, and it takes a very short time to complete. You can do it online on the issuer's official website. If the system can verify your data on its own, you will get a response via mail within minutes. Some applications take longer (7-10 business days) because human agents have to review and approve them.

You can use it on all Mastercard payment terminals. During the first 12 months following the credit card activation, you don't have to worry about foreign transaction and monthly maintenance fees. There is an annual fee for the first year and a reduced one for each consecutive year.

There are few things that make this credit card a viable option for people who are planning to build or repair their credit. The application, approval, and response time is quite short, which means that you can get to repair your credit ratings really fast.

The bank reports your payment history to all three major consumer credit bureaus - Equifax, Experian, and TransUnion. If you use the card to make small purchases, manage to make payments on time every month, and never carry a balance to the next billing period, you'll be able to see the positive impact on your credit in six months.

Also see Cards Reporting Credit (Explained).

Are There Any Disadvantages?

There are several things that you should take into consideration if you are credit card shopping, though. The annual fee is quite significant, and it will be subtracted from your monthly limit of $500 after you activate the card. Also, the variable APR is higher than the industry average.

After the first year of using the credit card, the annual fee drops, but a monthly maintenance fee becomes a thing that you have to take into account. This is quite a significant sum of money on a yearly level.

You will need to cover the cost of the annual fee and you'll still have another 12 payments to cover the cost of the monthly maintenance fee. Don't forget the foreign transaction fee, which also becomes applicable, starting with the second year. (See No Annual Fee Cards)

Should You Use This Card?

Other than offering people with bad or no credit score an opportunity to get hands-on a credit card and start building or improving their credit, the Surge card doesn't provide anything else. There is no introductory APR, bonuses, cashback, or any other type of incentive to use it.

Given that the credit-builder credit card niche is quite competitive, it could do a lot better. However, if your credit ratings are bad, or if you have no credit history whatsoever, it will be hard for you to shop for better credit card deals. Due to the low requirements, this may be the only option you have to start building and improving your credit.

See the Review of Surge Mastercard


  • A viable option for people with limited and poor credit score
  • Reports payment history of consumers to all 3 major credit bureaus
  • The extremely easy and fast application process


  • High annual fee
  • High variable APR
  • Monthly maintenance after 1st year

Basic Info

Card Issuer: Celtic Bank
Card Network: Mastercard®
Card Category: Consumer (Regular)
Card Review: Full Card Review
Common Uses:
  • Cards for Bad Credit
  • Instant Decision
  • Starter Credit Cards
  • No Credit / New to Credit
  • Pre-Qualification
Rewards Card: No
Understanding credit card basics and data can be confusing. We are here to help.

Finance & Rates

Introductory APR (%): N/A
Applied Towards: N/A
Intro Period: N/A
Regular APR: See Terms
Regular APR Type: N/A
Annual Fee: See Terms*
Balance Transfer: No*
APR on Cash Advances: See Terms*
Grace Period: See T&C*
Late Payment Fee: Up to $40*
Understanding cards finance, terms and common credit cards rates can be complicated. We can help.

Surge Mastercard® Credit Card - Alternatives & Comparison

*The information provided for Surge Mastercard® Credit Card is believed to be accurate at the time of evaluation or recent update on October 23, 2020. However, we strongly advise visitors to review the card fees and Terms & Conditions on card issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.
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Surge Mastercard® Credit Card Reviews - (2 User Reviews)

Share your experience and review the Surge Mastercard® Credit Card
July 7, 2020
Income on Application
Credit Score
Needs Work (300-579)
Credit Limit
File for Bankruptcy
Easy application and all kinds of benefits
I don’t know how people have the energy to stand in line every time they go to the bank. I know I don’t. However, I needed a credit card, so yeah, I looked for one I can apply for online. They say that it’s good for people with bad credit scores, but I don’t know anything about that. All I know is that the card was in my hands 8 days after I applied and that I can get money from family members in Australia without any fees. You can send me some cash too!
Fees & Charges:
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Comment (0)

June 28, 2020
Income on Application
Credit Score
Needs Work (300-579)
Credit Limit
File for Bankruptcy
Ok for people with crappy credit score
I had it for six months and got rid of it when I got approved for a better card… When you cancel the card, your credit isn't affected (this is only for people who had the card at least six months). I also cleared the balance before canceling. To be honest, this is a bad card, but then again, my credit was crap, so I couldn't expect anything better. I got approved with a 520 credit score, and with that, you can't expect good fees. Still, it was useful. I made my payment with it and kept credit utilization low. Now my credit is around 680ish…
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Surge Mastercard® Credit Card

Surge Mastercard® Credit Card

Min. Credit Required: Fair*