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Surge Mastercard®
in Credit Cards from Celtic Bank
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Surge Mastercard®

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in Credit Cards from Celtic Bank
SuperMoney Net Recommendation Score -88  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -88, equating to 1.2 on a 5 point rating scale.

-88

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.

Strongly not recommended

0 users recommend
1 user is unsure
7 users don't recommend
Browse Reviews: 0 Recommendations | 7 Complaints
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Highlights
Community Rating Strongly not recommended
Purchase APR 24.99% - 29.99%
Balance Transfer APR N/A
Credit Score Range 300 - 640
Annual Fee $75 - $99
Number of Reviews 8

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.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 24.99% 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 relatively good approval odds.
Pros & Cons of Surge credit card
The Good The Bad
  • Considers applicants with fair credit.
  • Surge Mastercard® reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of up to $99.
  • 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 benefits.
Surge credit card FAQ

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. This card has higher than average regular APRs.

Surge Mastercard® has a variable purchase APR that ranges from 24.99% up to 29.99%. It also has a variable cash advance APR that ranges from 24.99% 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:

Surge credit card Fees
Fees Amount
Annual Fee Starting at $75 up to $99
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 support contact email for Surge credit card?

The support contact email for Surge credit card is info@celticbank.com.

What is the Surge credit card login page?

You can access the Surge credit card login page here.

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:

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.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Celtic Bank

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9 Reviews

Availability

  Available in 49 states and Washington, D.C.
  • 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
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 640
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Cash Advance APR 24.99% - 29.99%
Balance Computation average daily balance (including new purchases)
Credit Limit $300 - $2,000
Purchase APR 24.99% - 29.99%
Card Type
  • Bad Credit
Card Network Mastercard

Surge Mastercard® Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -88, equating to 1.2 on a 5 point rating scale.

-88

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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