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Surge Mastercard®

in Personal Credit Cards from Celtic Bank

Unaffiliated Visit Site

Surge Mastercard®

Unaffiliated

in Personal Credit Cards from Celtic Bank

Net Recommendation Score -100% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

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3 users don't recommend
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Highlights
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Community Rating

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In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 640
Annual Fee $125
Purchase APR  (Variable APR) Starting at 29.99%

Surge Mastercard® Review

Surge Mastercard® is a credit card issued by Celtic Bank. If you're wondering whether Surge Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 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 qualify.

Surge Mastercard® Pros and Cons:

The Good The Bad
  • Considers applicants with fair or poor credit.
  • Surge Mastercard® reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $125
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.

Is there a Surge Mastercard® cash back or rewards program?

No, Surge Mastercard® does not offer a rewards program.

What are the relevant APRs for Surge Mastercard®?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Surge Mastercard® has higher than average purchase APRs.

Surge Mastercard® has a variable purchase APR starting at 29.99% . It also has a variable cash advance APR starting at 29.99% .

Does Surge Mastercard® have an introductory APR offer on balance transfers?

No, Surge Mastercard® does not come with an introductory APR offer for balance transfers.

Does Surge Mastercard® have an introductory APR offer on new purchases??

Surge Mastercard® does not offer an introductory rate on new purchases.
Surge Mastercard® Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the Surge Mastercard® fees?

The following fees apply to Surge Mastercard®:

Surge Mastercard® Fees
Fees Amount
Annual Fee $125 (Annual fees vary by year)
Foreign Transaction Fee 3%
Returned Payment Fee $39
Late Payment Fee $39

Does Surge Mastercard® have a foreign transaction fee?

Surge Mastercard® 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 a foreign transaction fee.

Does Surge Mastercard® report your account activity to credit bureaus?

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 can help improve your credit score.

How to apply for Surge Mastercard®

  • Visit the Surge Mastercard® 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

SURGE MASTERCARD® Disclosure: Annual fee: $125.00 for the first year, after that $96.00 annually Purchase and cash advance APR: 29.99% This APR will vary with the market based on the Prime Rate. Foreign transaction fee: Surge Mastercard® charges a foreign transaction fee of 3% of each transaction in U.S. dollars.
SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois 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
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 3%
Annual Fee $125
Returned Payment Fee $39
Late Fee Amount $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 640
Card Type Bad Credit
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Cash Advance APR (Variable APR) Starting at 29.99%
Balance Computation average daily balance (including new purchases)
Credit Limit $500
Purchase APR (Variable APR) Starting at 29.99%

Surge Mastercard® Community Reviews

 

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