Surge Mastercard®
in Personal Credit Cards from Celtic Bank
Cast your vote
Would you recommend Surge Mastercard® to your friends?
| Community Rating |
Rating not yet determined |
| Purchase APR (Variable APR) | 25.90% - 29.99% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 300 - 640 |
| Annual Fee | $75 - $99 |
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.
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 25.90% 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.
Surge Mastercard® Pros & Cons
| The Good | The Bad |
|---|---|
|
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Surge Mastercard® FAQ
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 25.90% up to 29.99%. It also has a variable cash advance APR that ranges from 25.90% up to 29.99%.
Does Surge Mastercard® have an introductory APR offer on balance transfers?
No, Surge Mastercard® does not come with an introductory APR offer for balance transfers.Does Surge Mastercard® have an introductory APR offer on new purchases?
Surge Mastercard® does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for Surge Mastercard®?
The following fees apply to Surge Mastercard®:
| 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® have a foreign transaction fee?
Surge Mastercard® charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.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.
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.
Surge Mastercard® Disclosure:
Annual fee: $125.00 for the first year, after that $96.00 annually
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.
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
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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
Other Services by Celtic Bank
View all personal credit cards offered by Celtic Bank
Availability
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
| No Interest Grace Period for Late Payment | 25 days |
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | Up to 5% |
| Minimum Cash Advance Fee ($) | Starting at $5 |
| Foreign Currency Transaction Fee | 3% |
| Annual Fee | $75 - $99 |
| Returned Payment Fee | Up to $40 |
| Additional Card Fee Amount | $30 |
| Late Fee Amount | Up to $40 |
Surge Mastercard® Community Reviews
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