Surge Secured Mastercard®

Secured card with instant approval to build or re-establish credit and earn rewards

Updated: Oct 29, 2021

Advertiser Disclosure

The Surge Secured Mastercard from Celtic Bank features cash back rewards, credit reporting, and fast online approval. Cardholders will receive an initial refundable credit of $300 and can increase it up to 1,000 gradually. It's a good credit-building card that accepts all credit scores with a max of 720. However, this card is not available for applicants in Illinois State.




19.99% Variable



27 User Ratings

Surge Secured Mastercard®

at Surge's Secured website

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Introductory APR


Intro APR Period


Minimum Credit Score

Accepts All

Key Features

  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash Back rewards on every purchase
  • Free access to your Vantage 3.0 Score from Experian* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard is accepted
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required

Our Take

The Surge Secured Mastercard from Celtic bank features a $300 refundable security deposit and free monthly credit reporting to all three Credit Bureaus. This card allows applicants with less than perfect credit to build or re-establish their credit while earning cash back rewards on every dollar spent. The card has up to 1,000 secured credit as well as a prompt online approval. Those who apply can receive either a secured or Unsecured Surge Mastercard version depending on their credit standing.


  • 1% cashback on all purchases
  • Credit reporting to all main credit Bureaus
  • No turndowns and No nonsense
  • Available as Secured or Unsecured version


  • No bonus rewards
  • Low initial credit
  • Secured credit limited to the max of $1,000
  • Foreign transaction fees

Best Surge Secured Card Alternatives

Frequently Asked Questions

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Basic Information
Issuer: Celtic Bank
Network: Mastercard®
Category: Consumer (Secured)
Best Used For:
  • Cards for Bad Credit
  • Instant Decision
  • Guaranteed Approval
  • No Credit / New to Credit
  • New to Credit
  • Pre-Qualification
Rewards: Yes
Reward Types:
  • Cash Back Rewards
Reward Units: Cash
Rates & Fees
Regular APR: 19.99%
Regular APR Type: Variable
Annual Fee: $69
Balance Transfer: No
APR on Cash Advances: 19.99%
Grace Period: See Terms
Other Fees:
  • Return Check Fee: Up to $40
  • Additional Card Fee: $30.00
  • Foreign Transaction: 3% of each transaction in U.S. dollars.

Surge Secured Mastercard® Alternatives

Surge Secured Mastercard®

Surge Secured Mastercard®


Annual Fee


Regular APR


Intro APR


Min. Credit Level

Accepts All

*The information provided for Surge Secured Mastercard® is believed to be accurate at the time of evaluation or recent update on October 29, 2021. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

Surge Secured Mastercard®

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Surge Secured Mastercard®

Surge Secured Mastercard®

Min. Credit Required: Accepts All

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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.