SuperMoney 

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

Rating not yet determined

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
Annual Fee $125
Purchase APR  (Variable APR) Starting at 29.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 640

Surge Mastercard® Review

Surge Mastercard® is a credit card issued by Celtic Bank. 

This card is designed for people who have bad credit. The minimum credit score to apply is 300.

This card has a minimum credit limit of 500.

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.
Pros & Cons of Surge Mastercard®
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.

    Surge Mastercard® Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A

    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?

    Surge Mastercard® does not offer an introductory rate on new purchases.
    Surge Mastercard® Balance Transfers
    Description
    Balance Transfer APR N/A
    Introductory Rate N/A
    Intro APR period (months) N/A
    Surge Mastercard® Rates & Terms
    Description
    Balance Computation average daily balance (including new purchases)
    Purchase APR Starting at 29.99%
    Credit Limit 500
    Penalty APR N/A
    Cash Advance APR Starting at 29.99%
    Security Deposit N/A
    Introductory Rate N/A
    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
    Annual Fee $125
    Foreign Currency Transaction Fee 3%
    Late Fee Amount $39
    Returned Payment Fee $39
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Mastercard
    Card Type
    • Bad Credit
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Cash Advance APR (Variable APR) Starting at 29.99%
    Purchase APR (Variable APR) Starting at 29.99%
    Balance Computation average daily balance (including new purchases)
    Credit Limit 500

    Surge Mastercard® Community Reviews

     

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    Annual Fee $99 Annual Fee
    Purchase APR 25.9% - 29.99%
    (Variable APR)
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    Balance Transfer APR N/A Balance Transfer APR
    Credit Score Range 300 - 640     300 850