Credit Cards

Surge Mastercard® Credit Card review

If you have bad credit, but want to begin building a positive financial history, the Surge Mastercard® Credit Card is a great option. This review details the pros and cons of this product to help you choose.


Surge Mastercard® Credit Card: Double your credit limit in just 6 months!

Surge Mastercard® Credit Card
Read our Surge Mastercard® Credit Card review. Source: The Post New.

Bad credit can happen to anyone. But thanks to Surge Mastercard® Credit Card, you don’t have to let it hold you back. With the help of this card, you can repair your credit score and get on the path to financial success.

Celtic Bank’s simple application process makes it easy for you to get started. Plus, the bank provides valuable resources and tools to help you make the most of this product.

So if you’re ready to take charge of your finances and start rebuilding your credit history, the Surge Mastercard® Credit Card might be just what you need.

Read our full review below to learn everything this card can offer you.

Surge Mastercard® Credit Card

How to get the Surge Mastercard® Credit Card?

Learn the easy application process for the Surge Mastercard® Credit Card and start your journey towards credit recovery today!

  • Sign-up bonus: There are no sign-up bonuses.
  • Annual fee: $75 – $99.
  • Rewards: This card does not offer rewards.
  • Other perks: Credit builder.
  • APR: 24.99% – 29.99% variable.

Surge Mastercard® Credit Card: is it a good card?

The Surge Mastercard® Credit Card is a legitimate product for people who are looking to improve their credit rating. Because it’s an unsecured card, new clients don’t have to worry about putting down a security deposit.

However, the initial credit line ranges from $300 to $1,000 and is based on creditworthiness. With timely payments and responsible use, Celtic Bank might double the initial spending limit in just 6 months.

The annual fee and regular APR are also based on creditworthiness and range between $75 – $99 and 24.99% – 29.99% (variable), respectively.

There are no monthly fees during the first year, but the bank charges $10 every year after. The fee is waived for customers with a credit line between $750 and $1,000. 

While the card doesn’t offer a sign-up bonus or rewards, it reports monthly payments to Experian, Equifax and TransUnion.

Therefore, it can be an ally for anyone looking to repair their credit score. This means that all credit levels are welcome to apply for this product. However, applicants must have a checking account. 

Surge Mastercard® Credit Card: should you get one?

Surge Mastercard® Credit Card
Should you apply for this card? Source: Adobe Stock.

The main advantage to this card is to assist cardholders on their journey to a better financial life. However, as a product that can impact your score even further, it’s important to know the pros and cons before applying to it. Learn what they are next. 


  • Accepts applicants with bad credit scores;
  • Reports payments to credit bureaus to help with credit repairment;
  • Does not require a security deposit;
  • Spending limit can double after 6 months of timely payments;
  • Free online access to the account 24/7;
  • Fast pre-qualification process.


  • The card charges annual and monthly fees;
  • There are no sign-up bonuses or rewards;
  • High regular APR.

What is the required credit score?

People with bad or fair credit scores can qualify for this card. However, all credit levels are welcome to apply. Since this is an unsecured card, the spending limit is based on creditworthiness. But that doesn’t mean Celtic Bank will rule out your application if your credit is less-than-perfect. 

Surge Mastercard® Credit Card application

The pre-qualification for this card lets you know if you’ve been approved within seconds. If you want to learn more details about eligibility and how to apply online, follow the link below. The Surge Mastercard® Credit Card might be the resource you need to get your credit back in check today. 

Surge Mastercard® Credit Card

How to get the Surge Mastercard® Credit Card?

Learn the easy application process for the Surge Mastercard® Credit Card and start your journey towards credit recovery today!

About the author  /  Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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