Surge® Platinum Secured Mastercard®

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

Updated: Jan 06, 2023

The Surge Platinum 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.

ANNUAL FEE

$69

ONGOING APR

19.99% Variable

INTRO APR

N/A

28 User Ratings

This card is not available right now.

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Introductory APR

N/A

Intro APR Period

N/A

Recommended 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 Platinum 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 credits as well as prompt online approval. Those who apply can receive either a secured or Unsecured Surge Mastercard version depending on their credit standing.

Pros

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

Cons

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

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Frequently Asked Questions

I live in Illinois. Can I apply for this card?

Unfortunately, all applications from Illinois will be automatically declined because of new legislation as of March 2021. However, you can always check other available Secured cards to find an alternative offer.

Which credit Bureaus does this card report to?

The Surge Secured credit card reports to all 3 main credit Bureaus. See Credit Reporting Cards Explained for more information..

What is the max credit score accepted?

The maximum credit score acceptable for application is 720.

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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.

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Non-Affiliate Offer Disclosure

*The information provided for Surge® Platinum Secured Mastercard® is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.