Is Surge® Platinum Mastercard® the right fit for you?

1 more

Last Updated: 04/01/2026

Surge® Platinum Mastercard®

from Celtic Bank

Last Updated: 04/01/2026

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Strongly not recommended8 total votes

1 users are unsure

7 users don't recommend

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Highlights

Community Rating

Strongly not recommended

Purchase APR (Fixed APR)

35.90%(Verified 04/01/2026)

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Balance Transfer APR (Fixed APR)

35.9%(Verified 04/01/2026)

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Credit Score Range

300 - 640

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Annual Fee

$75 - $125

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Number of Reviews

Surge® Platinum Mastercard® Review

This is a card issued by Continental Finance. If you're wondering whether Surge® Platinum Mastercard® is the right card for you, read on.

Key Takeaways

Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
N/A
APR: This is not a great card for people who carry a balance. It has a fixed purchase APR of 35.90%
Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
Poor credit accepted. This card will consider people who have poor credit.

Pros & Cons of Surge credit card

The Good

The Bad

Fast and easy application process; results in seconds
Considers applicants with fair credit.
Surge® Platinum Mastercard® reports to multiple credit bureaus.

Higher than average purchase APRs.
Charges an annual fee as low as $75 up to $125
(Annual fees vary by year)
Does not offer a signup bonus.
Does not offer rewards or cash back.
Charges a foreign transaction fee of up to 3%.
You don't earn rewards on every purchase.

Surge credit card FAQ

Does Surge credit card have a cash back or rewards program?

No, it does not offer a rewards program.

Surge credit card Rewards Breakdown

Description

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® Platinum Mastercard® report your account activity to credit bureaus?

Yes, Surge® Platinum Mastercard® reports to the following credit bureaus:

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 build your credit.

Does Celtic Bank perform a hard credit pull?

Yes, Surge credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Surge credit card

Visit the website of Surge credit card.
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® Platinum Mastercard® Disclosure: Annual fee: $300 credit limit, $75 annual fee in year 1, $99 annual fee in year 2. $500, $750, $1,000 credit limits, $125. 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.

View Surge® Platinum Mastercard®'s published terms & conditions

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

Headquarters

268 South State Street, Suite 300

Salt Lake City, UT 84111

(800) 509-6191

Visit Site

Email Support

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

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Other Credit Cards from Celtic Bank

Reflex® Platinum Mastercard®

Mostly not recommended

11 reviews

Purchase APR

35.90%

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Balance Transfer APR

35.9%

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Credit Score Range

300 - 640

300

850

Annual Fee

$75 - $125

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Celtic Bank Indigo® Platinum® Mastercard

Rating not yet determined

Be the first to rate

Purchase APR

24.9%

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Balance Transfer APR

N/A

Credit Score Range

350 - 600

300

850

Annual Fee

$75 - $99

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The Grand Reserve™ World Mastercard®

Rating not yet determined

Be the first to rate

Purchase APR

14.99% - 22.99%

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Balance Transfer APR

N/A

Credit Score Range

650 - 850

300

850

Annual Fee

$149

Visit Site

SuperMoney Net Recommendation Score

SuperMoney users don't recommend this product, giving it a user recommendation score of -87, or 1.3 on a 5-point rating scale.

-87

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Surge® Platinum Mastercard® Community Reviews

Would you recommend Surge® Platinum Mastercard® to your friends?

Robyn F.

Jan 12, 2022

May or may not recommend

I wouldn’t recommend this card since the interest rates are so high. However, if you have a low credit score this card may be for you.

Grace L.

Aug 12, 2021

May or may not recommend

For a credit card that charges $99 annually, it doesn’t offer a signup bonus, does not offer rewards or cash back and charges a foreign transaction fee of 3%. Not worth it at all.

Marshall B.

Jul 10, 2021

May or may not recommend

This is not a good card at all. I use to have it. No limit increase. They have a lot of fees. I have good credit. If you are starting off and have bad credit. It gives you a 2nd chance. I wouldn't keep it once your credit got good.

Anzhell H.

Jun 4, 2021

May or may not recommend

Surge credit card doesn't really offer alot but its I good credit card to help build ur credit if you're smart about it

Shelly H.

Apr 15, 2020

May or may not recommend

This card can't be used a gas pump. This card has no chip. This card has a high interest rate and a monthly maintenance fee of $10 (for me). I am getting rid of both this one because the monthly maintenance fee, on top of annual fee and extremely high interest is not in my best interest.

Michael F.

Jul 21, 2019

May or may not recommend

Terrible bank here and will never trust this bank again, they are lousy and their customer service sucks.

Donot A.

Jun 19, 2019

May or may not recommend

I have recently applied for the credit card. When I finally received it by mail, the annual fee was already posted from the day that I applied. The online statement stated that the payment was due on the day before I have gotten the credit card in the mail. When I submitted my payment, it showed that my payment was a day late because the company is in a different ...Show More

Maggie T.

Feb 23, 2019

May or may not recommend

Continuing late frees after payments made and claim settlement.report negative to credit breaus

Showing 8 of 8 reviews