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  Surge® Platinum Mastercard®
Surge® Platinum Mastercard®
in Credit Cards from Celtic Bank
Claimed

Surge® Platinum Mastercard®

Claimed
in Credit Cards from Celtic Bank
SuperMoney Net Recommendation Score -88  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -88, equating to 1.2 on a 5 point rating scale.

-88

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

0 users recommend
1 user is unsure
7 users don't recommend
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Highlights
Community Rating Strongly not recommended
Purchase APR  (Variable APR) 29.99%
(Verified 09/19/2023)
Balance Transfer APR  (Variable APR) N/A
(Verified 09/19/2023)
Credit Score Range 300 - 640
Annual Fee $75 - $125
Number of Reviews 8

Surge® Platinum Mastercard® Review

This is a card issued by Celtic Bank. If you're wondering whether Surge credit card is the right card for you, read on.

Key Takeaways

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 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 have relatively good approval odds.

Pros & Cons of Surge credit card

The Good The Bad
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • Fast and easy application process; results in seconds
  • Considers applicants with fair credit.
  • Surge® Platinum Mastercard® reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee as low as $75. up to $125
    • (Annual fees vary by year)
  • 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.

Surge credit card FAQ

Does Surge credit card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Surge credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Surge® Platinum Mastercard® has a variable purchase APR of 29.99%. It also has a variable cash advance APR of 29.99% .

Does Surge credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Surge credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Surge credit card?

The following fees apply:

Surge credit card Fees
Fees Amount
Annual Fee Starting at $75 up to $125 (Annual fees vary by year)
Overlimit Fee $
Initial Program Fee $
Foreign Transaction Fee 3%
Returned Payment Fee Starting at $ up to $40
Late Payment Fee Starting at up to $40

This card charges a $75 annual fee.

Does Surge credit card have a foreign transaction fee?

Surge credit card 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 foreign transaction fees.

What is the customer service phone number for Surge credit card?

The Surge credit card customer service number is (800) 509-6191.

What is the support contact email for Surge credit card?

The support contact email for Surge credit card is info@celticbank.com.

What is the Surge credit card login page?

You can access the Surge credit card login page here.

How do people rate the customer service and user experience of Surge credit card?

Overall, Surge credit card is strongly not recommended based on community reviews that rate customer service and user experience.

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

Yes, Surge® Platinum 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 credit card

  • Visit the Surge credit card 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 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® Platinum Mastercard® Disclosure: Annual fee: $300 credit limit, $75 annual fee in year 1, $99 annual fee in year 2. $500, $750, $1,000 credit limits, $125. 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 on links posted on this website. Read more...
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

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Celtic Bank

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Availability

  Available in 49 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

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 - $125
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $40
Additional Card Fee Amount $30
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 640
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Type No Rewards
Cash Advance APR (Variable APR) 29.99%
APR Type Variable APR
Balance Computation average daily balance (including new purchases)
Credit Limit $300 - $2,000
Purchase APR (Variable APR) 29.99%
(Verified 09/19/2023)
Card Type
  • Bad Credit
Card Network Mastercard

Surge® Platinum Mastercard® Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -88, equating to 1.2 on a 5 point rating scale.

-88

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.

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