Surge Secured Mastercard®

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

Updated: Jun 4, 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.

ANNUAL FEE

$69

ONGOING APR

19.99% Variable

INTRO APR

N/A

25 User Ratings

Surge Secured Mastercard®

at Surge's Secured website

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Introductory APR

N/A

Intro APR Period

N/A

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 TransUnion (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
  • $0 Fraud Liability
  • 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.

Pros

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

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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%
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®

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Annual Fee

$69

Regular APR

19.99%

Intro APR

N/A

Min. Credit Level

Accepts All

IMPORTANT
*The information provided for Surge Secured Mastercard® is believed to be accurate at the time of evaluation or recent update on June 4, 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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