The Surge MastercardĀ® Credit Card is a credit-building card designed for individuals with poor, fair, or limited credit history.
Issued by Celtic Bank and managed by Continental Finance, this card provides a second chance for those looking to rebuild their credit.
One of its biggest advantages is that it offers both secured and unsecured versions, allowing applicants to qualify for a credit line without requiring a security deposit.
Additionally, the card reports to all three major credit bureaus, helping cardholders improve their credit score over time with responsible use.
About Celtic Bank & Continental Finance
The Surge MastercardĀ® Credit Card is issued by Celtic Bank, a trusted financial institution based in Salt Lake City, Utah.
Celtic Bank is known for offering specialized credit products for individuals with limited or bad credit histories.
The card is managed by Continental Finance, a company specializing in credit-building cards.
Continental Finance has a strong reputation for working with subprime borrowers, offering products tailored to help them rebuild credit through responsible usage.
Together, these financial institutions provide a stable and reliable credit option for those seeking a fresh financial start.
Who Should Consider This Card?
The Surge MastercardĀ® Credit Card is ideal for:
Individuals with bad or limited credit who need a second chance to establish a solid credit profile.
People who do not qualify for traditional credit cards due to a low credit score or past financial difficulties.
Consumers who want a credit card that reports to all three major credit bureaus to help improve their creditworthiness.
Those who need access to a credit line but cannot afford a large security deposit required by many secured cards.
Anyone looking for a credit card that offers potential credit limit increases over time.
If you already have good or excellent credit, you may qualify for a better card with lower fees and interest rates. However, if your goal is to rebuild credit, the Surge MastercardĀ® Credit Card is a practical solution.
Top Benefits of the Surge MastercardĀ® Credit Card
Available for Bad & Fair Credit
- Even if you have a low credit score, you may still qualify for this card.
- The Surge MastercardĀ® offers both secured and unsecured options, depending on creditworthiness.
No Security Deposit Required (for Unsecured Option)
- Many credit-building cards require a security deposit, but the Surge MastercardĀ® offers unsecured approval for eligible applicants.
Reports to All Three Major Credit Bureaus
- Payments are reported to Experian, Equifax, and TransUnion, which can help cardholders boost their credit score with responsible use.
Credit Limit Up to $1,000 (Potential Increases Over Time)
- Initial credit limits range from $300 to $1,000, based on creditworthiness.
- Cardholders may qualify for credit line increases after six months of responsible payments.
Fast and Easy Online Application
- The application process is quick, simple, and available online.
- Applicants can prequalify without impacting their credit score.
Zero Fraud Liability
- Provides fraud protection against unauthorized transactions.
- If your card is lost or stolen, you are not responsible for fraudulent charges.
Additional Features & Protections
Mobile & Online Account Management
- Cardholders can track spending, make payments, and manage their account online or via the mobile app.
Free Credit Score Monitoring
- Access credit monitoring tools to track your progress.
Automatic Credit Line Reviews
- Responsible use may lead to a higher credit limit, reducing credit utilization and improving credit scores.
EMV Chip Security
- Provides enhanced security for in-store transactions.
Customer Support
- Dedicated customer service is available for account assistance and questions.
Fees & Interest Rates
Annual Fee: $75 – $99 (depending on creditworthiness)
APR: 24.99% – 29.99% Variable APR
Foreign Transaction Fee: 3% per transaction
Late Payment Fee: Up to $40
The Surge MastercardĀ® has a relatively high APR and an annual fee, which is common for credit-building cards. To avoid unnecessary interest charges, cardholders should pay their balance in full each month.
Is the Surge MastercardĀ® Credit Card Worth It?
The Surge MastercardĀ® Credit Card is a good option for people with bad or fair credit who need an unsecured credit card.
Hereās why it might be a good choice:
No security deposit required (for qualified applicants).
Prequalification available without a hard credit check.
Reports to all three major credit bureaus to help build credit.
Potential for credit limit increases over time.
Basic fraud protection for security.
Fees and charges
ā Introductory APR: 35.90%;
Expert review
The Surge Mastercard is designed for individuals looking to build or rebuild their credit.
It offers easy approval for those with less-than-perfect credit.
With a manageable annual fee and credit reporting to major bureaus, it helps users improve their credit score with responsible use.
However, the card carries a high APR and no rewards program, making it less attractive for those seeking long-term benefits.
It's a suitable option for those focused on credit rebuilding rather than rewards.
You will remain on this site
+Positive points
- Easy Approval: Ideal for individuals with less-than-perfect credit, offering a chance to build or rebuild credit.
- Reports to Major Credit Bureaus: Helps improve credit scores by reporting to the three major bureaus.
- No Security Deposit: Unlike secured cards, no deposit is required to open an account.
- Opportunity for Credit Limit Increases: With responsible use, cardholders may qualify for a higher credit limit over time.
- Low Initial Credit Line: Suitable for those who are new to credit or need a low starting limit for better management.
- Negative points
- High APR: The card comes with a potentially high annual percentage rate, which can be costly if balances are carried.
- No Rewards Program: There are no rewards like cash back or points for purchases, limiting long-term benefits.
- Annual Fee: Although manageable, the card has an annual fee that might not be ideal for all users.