About the Card

The Surge Mastercard® 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 Mastercard® 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.

Press the button below and check out the step-by-step process how to apply for the card.

Who Should Consider This Card?

The Surge Mastercard® 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 Mastercard® Credit Card is a practical solution.

Top Benefits of the Surge Mastercard® Credit Card

Available for Bad & Fair Credit

Even if you have a low credit score, you may still qualify for this card.

The Surge Mastercard® 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 Mastercard® 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 Mastercard® 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 Mastercard® Credit Card Worth It?

The Surge Mastercard® Credit Card is a good option for people with bad or fair credit who need an unsecured credit card.

Here’s 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.