Surge Mastercard®
in Personal Credit Cards from Celtic Bank
Would you recommend Surge Mastercard® to your friends?
| Community Rating |
Rating not yet determined |
| Purchase APR (Variable APR) | 25.9% - 29.99% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 300 - 640 |
| Annual Fee | $75 - $99 |
Surge Mastercard® Review
This is a credit card issued by Celtic Bank. If you're wondering whether Surge credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 25.9% up to 29.99%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
| The Good | The Bad |
|---|---|
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Does Surge credit card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the relevant APRs for Surge credit card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.It has a variable purchase APR that ranges from 25.9% up to 29.99%. It also has a variable cash advance APR that ranges from 25.9% up to 29.99%.
Does Surge credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Surge credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Surge credit card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | Starting at $75 up to $99 (Annual fees vary by year) |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
Does Surge credit card have a foreign transaction fee?
Surge credit card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Surge credit card?
The Surge credit card customer service number is (800) 509-6191.
How do people rate the customer service and user experience of Surge credit card?
Overall, Surge credit card is strongly not recommended based on community reviews that rate customer service and user experience.
Does Surge Mastercard® report your account activity to credit bureaus?
Yes, Surge Mastercard® reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Surge credit card
- Visit the Surge credit card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
268 South State Street, Suite 300
Salt Lake City, UT 84111 - (800) 509-6191
- Visit Site
Other Services by Celtic Bank
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | Up to 5% |
| Minimum Cash Advance Fee ($) | Starting at $5 |
| Foreign Currency Transaction Fee | 3% |
| Annual Fee | $75 - $99 |
| Returned Payment Fee | Up to $40 |
| Additional Card Fee Amount | $30 |
| Late Fee Amount | Up to $40 |
Surge Mastercard® Community Reviews
Would you recommend Surge Mastercard® to your friends?
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