< See Cards for Building Credit

Surge Mastercard

Surge Mastercard
Our Take:

If you don't have the best credit and you're trying to fix that, this card might be your best bet. However, the high APR and monthly fees make this card somewhat of a last resort.  Skip to our full review

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On Celtic Bank’s secure website
  • Highlights
    • All credit types welcome to apply!
    • Monthly reporting to the three major credit bureaus
    • Initial Credit Limit of $500.00!* (subject to available credit)
    • Fast and easy application process; results in seconds
    • Use your card at locations everywhere that Mastercard® is accepted
    • Free online account access 24/7
    • Checking Account Required 
  • Regular APR
    29.99% variable
  • Credit level
    Fair and Bad Credit
  • Building CreditBuilding Credit
  • Bad CreditBad Credit
Fees
  • Annual Fee
    $96
    Intro: $125
Surge Mastercard Review

The Surge Mastercard is a decent temporary solution for consumers with poor credit scores. If you’ve got a poor credit score, perhaps this dilemma sounds familiar to you. In order to improve your credit score, you need to rebuild credit. But you can’t do that without a credit card, and big companies are reluctant to give you a credit card based on your poor score. If this merry-go-round is making you dizzy and you want to hop off of it, there’s hope.

Credit Score Unscoreable Rate by Income Level in the U.S.

The aptly named Surge Mastercard is an option for people who want to improve their “Poor” or “Bad” credit scores but have been turned down by the big consumer banks. “Poor” credit scores range between 550 and 649, while “Bad” credit is considered anything below 550.

This credit card is also good for people who are just starting to establish their credit histories.

Considering that the bigger credit card companies look for customers with higher scores, the Surge Mastercard is one way to get there. If your credit score falls between the above ranges, then the Surge Mastercard could help turn your situation around.

You might want to consider this card if you can answer “yes” to any of the following:

  • Have you been turned down by the traditional credit card companies because of a low score?
  • Are you just starting to establish your credit history and are looking for a way to safely manage your credit card debt?
  • Are you willing to accept a card with a low credit limit?

If you nodded your head yes to any of the above questions, please keep reading. The Surge Mastercard is made especially for consumers with bad credit. The card is offered through Celtic Bank and is serviced and managed by Continental Finance. When used properly, it can be a means to a very good end for you and your credit score. So if you have a big ol’ “Under Construction” sign on your FICO score, this might be the second chance you've been looking for.

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The credit card offers that appear on this site are from credit card issuers from which CardGuru.com receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. CardGuru.com does not include all credit card offers that might be available to consumers in the marketplace.

Editorial Note:

This content is not provided by Celtic Bank. Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Celtic Bank.