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% .

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® 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.