Surge Mastercard

Surge Mastercard

in Personal Credit Cards from Celtic Bank


Surge Mastercard


in Personal Credit Cards from Celtic Bank

SuperMoney Net Recommendation Score -100% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly not recommended

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1 user doesn't recommend
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Community Rating Strongly not recommended
Annual Fee $125
Purchase APR (Variable APR) Starting at 29.99%
Balance Transfer APR (Variable APR) N/A
Credit Score Range 300 - 640

Surge Mastercard Review

Surge Mastercard is a credit card issued by Celtic Bank. 

Good for building credit. This card is designed to help you build your credit. So you may qualify even if you have limited or poor credit. The minimum credit score to apply is 300.

Credit limit. This card has a credit limit of up to 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.

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?

Surge Mastercard has a variable purchase APR starting at 29.99% .

It also has a variable cash advance APR starting at 29.99% .

Does Surge Mastercard have an introductory APR offer?

Surge Mastercard does not offer an introductory rate on new purchases.
Surge Mastercard Rates & Terms
Purchase APR Starting at 29.99%
Cash Advance APR Starting at 29.99%

What are the Surge Mastercard fees?

$125 Annual Fee. Surge Mastercard charges an annual fee of $125.

3% Foreign transaction fees. 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.

The following fees apply to Surge Mastercard:

Surge Mastercard Fees
Fees Amount
Annual Fee $125
Foreign Transaction Fee 3%
Returned Payment Fee $38
Late Payment Fee $38

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.

How to apply for Surge Mastercard

  • Visit the Celtic Bank website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • 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.
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Other Services by Celtic Bank


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  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

Surge Mastercard Community Reviews


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