Surge Mastercard® Credit Card

Surge Mastercard® Credit Card

Min. Credit Required: Bad Credit OK*

Surge Mastercard® Credit Card

January 27, 2020

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.


See Terms*


See Terms*



(136) Surge Mastercard® Credit Card

at Celtic Bank Secured website

Intro APR
Intro APR Period
Min. Credit Level
Bad Credit OK*

Card Details

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required

Editor's take

The Surge Mastercard credit cards is a credit-builder credit card issued by Celtic Bank and serviced by Continental Finance Company. Being a credit-builder card, the Surge Mastercard is a card that can help people with less than a good credit score or no payment history at all repair, re-establish, or build a credit score from scratch.

The Surge Mastercard is either unsecured 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 of the Surge Mastercard, you will have to pay a deposit, which can be as much as $500.

The application procedure for the Surge Mastercard is very easy, and it takes a very short time to complete. You can do it online on the issuer's secure 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 the Surge Mastercard 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 of $125 for the first year and $96 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 score. The application, approval, and response time is quite short, which means that you can get to repairing your credit score really fast.

The Surge Mastercard reports your payment history to all three major consumer credit bureaus - Equifax, Experian, and TransUnion (See cards reporting credit). 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 score in six months.

Related: Cards Reporting Credit Explained

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 significantly higher than the industry average - 29.99%.

After the first year of using the Surge Mastercard, the annual fee drops to $96, but a monthly maintenance fee of 10% 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 pay $96 to cover the cost of the annual fee and $120 in 12 payments of $10 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)

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 score, the Surge Mastercard 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, the Surge Mastercard could do a lot better.


  • 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:
Card Category:
Consumer (Regular)
Common Uses:
  • Cards for Bad Credit
  • Instant Decision Cards
Rewards Card:
Understanding basic credit cards information and terminology can be confusing. We are here to help.

Finance & Rates

Introductory APR (%):
Applied Towards:
Intro Period:
Regular APR:
See Terms*
Regular APR Type:
Annual Fee:
See Terms*
Balance Transfer:
APR on Cash Advances:
See Terms*
Grace Period:
See T&C*
Late Payment Fee:
See Terms*
Understanding cards finance, terms and common credit cards rates can be complicated. We can help.

Surge Mastercard® Credit Card - Alternatives & Comparison

Surge Mastercard® Credit Card

Surge Mastercard® Credit Card

Annual Fee

See Terms*

Regular APR

See Terms*

Intro APR


Min. Credit Level

Bad Credit OK*

The information provided for Surge Mastercard® Credit Card is believed to be accurate at the time of evaluation or recent update on January 27, 2020. However, we strongly advise visitors to review the Terms and Conditions on card issuer website by following Apply Now link to verify the accurancy of the information posted prior to actually applying for this card offer.
Market Pro Secure® has made it very easy to find the best credit cards for you. All you need to do is find the cards you like, click "Save Card", and then compare them side-by-side.

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Market Pro Secure® is an independent payment card comparison service supported by advertisers, a complete list of which can be seen in our Editorial Guidelines. Even though some of these advertisers are financial product providers and credit card issuers, our paid partnerships don't affect card ratings or the Best Card Picks on our website. We don't post any content that is provided or commissioned by any of our partners. However, our paid partnerships may affect how and where products appear on our site, including the order in which they are presented within listing categories. This order may also be affected by our website rules, as well as the likelihood of the applicant’s credit approval. We can't offer any warranty for the accuracy of the credit card information we share on our website, even though we do our best to keep the Terms and Conditions, rates, and other credit card details up-to-date. For more accurate information, click "APPLY NOW" to get transferred to the credit card issuer's official website. Market Pro Secure® doesn't include all available payment cards in the marketplace.

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EDITORIAL DISCLOSURE. Market Pro Secure® doesn't post content that is commissioned by advertisers. Opinions expressed therein belongs to the author alone. More