Overview

Who is this credit card designed for?

Surge Mastercard is a credit card issued by Celtic Bank, which is based in Salt Lake City, UT. 

Surge Mastercard is designed for people with a credit score of 300 to 640.

This card has a credit limit of $500.

What are the relevant APRs?

Surge Mastercard has a variable purchase APR starting at 29.99%.

It also has a variable cash advance APR starting at 29.99%.

Is an introductory APR offer available?

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

Surge Mastercard does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to Surge Mastercard:

• An annual fee of $125. Make sure the rewards and benefits of this card justify the cost of the annual fee.
• A late payment penalty of up to $38.
• Surge Mastercard does not charge a returned payment fee.
• A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

No, Surge Mastercard does not offer a rewards program.

Is a signup bonus offered?

Surge Mastercard doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

Surge Mastercard doesn't offer a cash loyalty bonus.

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.