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.

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 25.9% 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 qualify.

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 up to $75. 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.

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 that ranges from 25.9% up to 29.99%. It also has a variable cash advance APR that ranges from 25.9% up to 29.99%.

What are the fees for Surge Mastercard®?

The following fees apply to Surge Mastercard®:

Surge Mastercard® Fees

Fees	Amount
Annual Fee	Starting at $75 up to $99 (Annual fees vary by year)
Foreign Transaction Fee	3%
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

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

Yes, 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 may help improve your credit.

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.