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Surge Mastercard

in Personal Credit Cards from Celtic Bank

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Surge Mastercard

Unaffiliated

in Personal Credit Cards from Celtic Bank

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

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.

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Contact

  • Headquarters
  •   268 South State Street
    Suite 300
    Salt Lake City, UT 84111 USA
  •   Visit Site

Other Services by Celtic Bank

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

Grace Period for Late Payment (Days) 25
Returned Payment Fee $38
Annual Fee $125
Late Fee Amount $38
Foreign Currency Transaction Fee 3%
Minimum Age 18
Credit Score Range 300 - 640
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Purchase APR (Variable APR) Starting at 29.99%
Cash Advance APR (Variable APR) Starting at 29.99%
Balance Computation average daily balance (including new purchases)
Credit Limit 500

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