Its Professionals, Cons, and Alternate options


Diving into the world of bank cards is usually a whirlwind of choices. For these navigating the uneven waters of credit score restore or constructing, the Surge Mastercard surfaces as a possible beacon.

However amidst its enchantment for these with less-than-ideal credit score, the cardboard comes with its share of shadows—cue, charges. 

To navigate this monetary relationship, you should steadiness the professionals and cons whereas contemplating appropriate alternate options. 

Strap in—it’s time for an trustworthy encounter with the Surge Mastercard.

This text will present you: 

  • Who the Surge Mastercard is for.
  • Its charges, charges, execs, and cons.
  • Some alternate options that is perhaps price a glance.

Learn extra:

Surge Credit score Card at a Look

Full title: Surge® Platinum Mastercard®

Greatest for: These wanting to construct or rebuild credit score

Issuer: Celtic Financial institution

Credit score rating wanted: All are welcome to use

Community: Mastercard

Serviced by: Continental Finance Firm

Who’s the Surge Credit score Card Greatest For?

The Surge Mastercard is cool with of us who don’t have the most effective credit score historical past. It stories to the large three credit score bureaus, which can assist pull up your rating over time.

Maintain your eyes extensive open, although. They do like their charges. So, deal with it extra like a stepping stone to higher credit score slightly than a long-term monetary associate. 

As with every bank card, keep in mind to pay on time and—higher but—in full to dodge the curiosity.

Surge Credit score Card: Total Card Evaluate

Surge Platinum Mastercard: Professionals & Cons

Let’s dive straight into the execs and cons of the Surge Platinum Mastercard:


  • Open to these with truthful or poor credit score.
  • Reviews to all three main credit score bureaus, aiding credit score historical past.
  • Pre-qualify with out hurt to your scores.
  • Credit score restrict will increase attainable with accountable utilization.
  • A secured model of the cardboard is out there.


  • Excessive annual charge.
  • Month-to-month upkeep charge.
  • Above common APR, making it expensive to hold a steadiness.
  • No reward/profit program.
  • No steadiness transfers or money advances obtainable throughout the first 12 months.

Professionals—What We Like

Accessible to these with truthful or poor credit score

This card isn’t choosy. Even when you’ve had some dings in your credit score historical past, you could possibly nonetheless get accepted.

Reviews to all three main credit score bureaus

This implies on-time funds can increase your rating with not only one, however all three main credit score bureaus (Experian, TransUnion, and Equifax).

Learn extra:

Pre-qualify with out hurt to your scores

One further benefit of the Surge Mastercard is you can pre-qualify for it with none impression to your credit score scores. 

It’s because the issuer performs a “tender pull” in your credit score report throughout prequalification, which doesn’t have an effect on your scores.

In case you’re unsure about your probabilities of getting accepted or simply need to gauge the place you stand, this function is usually a actual stress reliever. 

It provides you an opportunity to see when you’re prone to qualify earlier than you undergo the formal software course of—which does contain a “exhausting pull” that may briefly decrease your scores.

Affords an choice for a secured model

In case you’re having hassle qualifying for the unsecured model or need a decrease APR, you possibly can go for the secured card as an alternative. You’ll simply have to pay a safety deposit.

Credit score restrict will increase attainable with accountable utilization

Present them you’re reliable by making funds on time, and so they would possibly hike up your credit score restrict. They promote the choice of doubling your credit score restrict after you pay on time six months in a row.

Cons—Issues To Suppose Over

Excessive annual charge

Not like another playing cards for constructing credit score, the Surge Mastercard comes with a hefty annual charge. Be sure you’re okay with that earlier than making use of.

The charge is between $99 and $125. In case your creditworthiness is nice sufficient, chances are you’ll be eligible for a $75 charge for the primary 12 months of utilizing the cardboard.

Above common APR

It has a comparatively excessive APR, which suggests carrying a steadiness can get expensive quick. It’s finest to repay your steadiness in full every month.

No reward/profit program

Don’t count on a ton of fancy perks. It’s fairly bare-bones, however that’s not what it’s designed for—it’s about constructing credit score.

No steadiness transfers or money advances obtainable throughout the first 12 months

This isn’t a deal-breaker, however price noting when you’re considering of shifting debt onto this card or want money advances.

Keep in mind

Whereas the Surge Mastercard could also be a device to enhance or set up credit score, it’s further necessary to think about the prices and restrictions related to it. Ideally, it might be a stepping stone to higher monetary merchandise sooner or later.

Learn extra:

Key Surge Credit score Card Charges & Charges



Annual charge


Month-to-month upkeep charge




APR for money advances


Steadiness switch charge


Money advance charge

$10 or 3%*

Overseas transaction charge


Late charge

As much as $41

Minimal curiosity cost charge


Returned fee charge

As much as $41

Further card charge


*Beginning 12 months two

Keep in mind

Though Celtic Financial institution approves even these with a poor credit score rating, the charges and charges rely in your rating and credit score historical past—the higher they’re, the much less cash you’ll want to fork out to make use of your card.

Issues to Know Concerning the Surge Card

What’s the Surge Mastercard credit score restrict?

The cardboard’s credit score restrict begins between $300 and $1,000. The precise quantity hangs in your credit score rating and different monetary particulars.

Whereas this will appear to be pocket change in comparison with some posher playing cards, don’t overlook that the Surge Mastercard is a buddy for folks fixing up their credit score or ranging from scratch.

Plus, right here’s a candy deal: In case you make your funds on time, you could possibly see your credit score restrict rise.

If you need the next beginning restrict, try the Petal 2 card.

Surge card credit score restrict will increase

The Surge card affords an fascinating and doubtlessly useful benefit—the likelihood to extend your preliminary credit score restrict. 

Right here’s what you’ll want to know:

  • The rise doesn’t simply occur routinely. It’s depending on constant and well timed funds made in your finish, exhibiting your monetary duty and reliability. 
  • The next credit score restrict isn’t nearly having extra accessible funds. It positively impacts your credit score rating. How? It lowers your credit score utilization ratio. This ratio is a measure of the quantity you owe vis-à-vis your whole credit score restrict.
  • Keep in mind, having a decrease credit score utilization ratio is usually seen as constructive and indicating much less danger by lenders.

Alternate options: How Does Surge Evaluate to Different Credit score Playing cards for Unhealthy Credit score?

The unhappy fact is—the decrease your credit score rating, the more severe your bank card can be.

Learn extra:

Credit score-Constructing Alternate options That Received’t Kill Your Price range

In case you’re out there for a bank card that may assist construct credit score, however searching for alternate options higher than the Surge Mastercard, then listed below are a number of worthy playing cards to take a look at

All of them are secured and require a one-time safety deposit, however for our cash—it’s a good commerce. Safety deposits are often one-time-only, and also you get them again.

Massive annual charges are principally misplaced the second the cash leaves your account.

1. Uncover it® Secured

This card affords a strategy to construct or rebuild credit score, whereas incomes cashback on purchases—a uncommon perk for secured playing cards. And it has no annual charge.

It stories to all three credit score bureaus and routinely evaluations your account for attainable improve to an unsecured card.

And Uncover will match all of the cashback you’ve earned on the finish of your first 12 months.

2. Capital One Platinum Secured Credit score Card

With no annual charge and a $49, $99 or $200 minimal refundable deposit, Capital One Platinum Secured is one other strong different to the Surge card.

The quantity you deposit turns into your credit score restrict, and you’ll resolve on how a lot you need it to be. The minimal quantity is $49 and the utmost is $1,000.

3. OpenSky® Secured Visa® Credit score Card

This card doesn’t require a credit score verify for approval, making it accessible to these with severely broken credit score. Whereas it does have an annual charge of $35, it’s a lot decrease than that of the Surge Mastercard. 

These playing cards might offer you a extra inexpensive strategy to construct credit score, with the added bonuses of cashback, decrease charges, or versatile deposit necessities.

Oftentimes individuals who apply for a bank card encounter a “Catch-22” situation by which they can’t safe a bank card to construct their credit score sufficient to be accepted for one, and on this circumstance it’s a good suggestion to use for a secured bank card.

It’s usually simpler as revenue necessities aren’t as excessive, eradicating the obstacle that’s usually a lot steeper with unsecured playing cards. By buying this classification of card, you may make small purchases and pay for them instantly, permitting you to boost your credit score rating at a way more fast price.

Derek FlanzraichCEO & Founding father of Ness

Learn extra:

Helpful Hyperlinks

Pre-qualify for a Continental Finance Surge card with no hurt to your rating.

Apply for the Surge bank card right here.

Contact Continental Finance customer support right here.

Click on right here for the Surge bank card login web page.

Obtain the Surge cell app for iOS or Android.

Get extra info on proudly owning a bank card, your rights, and extra on the Client Monetary Safety Bureau’s web site.

Get your free credit score rating report.

Obtain our free bank card payoff calculator.

The Precise Client Critiques of the Surge Mastercard

There’s 10,542 evaluations of the cardboard (largely about customer support) on Trustpilot, and an astounding 93% of them are five-star-reviews

Let’s see a few of them—

“Nice service, at all times a pleasure to name. The customer support workforce supplies a 5-star expertise.”

“My credit score rating has continued to go up. They raised my card restrict fairly rapidly. I wasn’t anticipating it so quickly. Which was incredible! Watch out although—Surge provides good raises. And which means your month-to-month curiosity goes to go up. It is perhaps just a little bit, to what might appear to be much more, relying on how a lot you spend.”

The two% of 1-star-reviews don’t appear important, however let’s have a look at a few of them, too—

“Would give 0 stars if I may. Worst customer support division ever. They don’t need to reply questions that you’ve got. It has been a month and nonetheless no card. I requested the place it’s being shipped from, and I used to be advised they don’t have that information.”

However then, the evaluations of the cardboard itself is perhaps some meals for thought—

“Took this card on because of stating 1,000 restrict doubles after 6 mos paid on time that was false I’ve paid on time and paid further funds, mine solely went up 300, so I really feel it’s falsely marketed, however that’s my opinion I wouldn’t advocate based mostly solely off that. I can be paying off and can discontinue utilizing [it].”

“Funds aren’t being taken out of my account in a well timed trend on scheduled dates. This causes many issues and confusions with my financial institution and myself as nicely.”


“Ordered a substitute card over a month and a half in the past and nonetheless haven’t received my card can’t even pay the invoice with out my card they solely supply financial institution draft pay choice they should stand up up to now they’re messing up my 100% pay on my credit score. I’m interested by canceling all of them collectively. Oh, and has the nerve to cost me a late charge for a card they haven’t despatched me.”

“I received my card and was by no means capable of log in to the net entry. I referred to as customer support and tech help 3 occasions to get it mounted. I lastly received so pissed off I cancelled each playing cards issued to me by way of Celtic Financial institution. Now they need to cost me $5.95 to make a fee over the telephone with my debit card. Horrible customer support.”

Is Surge Credit score Card Good for Me?

The Surge Mastercard is perhaps a very good choice for you, if—

  1. You will have lower than superior credit score rating and need to construct it again up.
  2. You don’t plan on utilizing the cardboard a lot and received’t be dragged down by the excessive rate of interest.
  3. You’ll be able to’t get your palms on a greater bank card simply but.
  4. You’ll be able to pay the cardboard off on time and have lower than 30% of credit score utilization ratio.

If these factors don’t describe you, you possibly can try our evaluation of the Petal® 2 “Money Again, No Charges” Visa®.


Is Surge a very good bank card?

The Surge Card is usually a good device for constructing credit score, and well timed funds would possibly get you the next restrict. 

However, it comes with excessive annual charges and rates of interest. So, it’s useful for credit score enchancment, however may be expensive.

Try some alternate options: Capital One Platinum Card Evaluate and Chime Credit score Card Evaluate.

Does surge bank card have an annual charge?

Sure, the Surge Credit score Card does have an annual charge. It could vary from $75 to $125, relying in your creditworthiness decided on the time of software.

After the primary twelve months, it additionally has a month-to-month upkeep charge of $10.

What credit score rating do you want for Surge bank card?

The Surge Credit score Card is designed for folks with poor to truthful credit score. Sometimes, this implies a credit score rating starting from 300 to 670. 

Nevertheless, even when your credit score rating is decrease, making use of would possibly nonetheless be worthwhile since different elements akin to revenue are thought of.

Plus, Celtic Financial institution does the tender pull—so you possibly can simply try when you prequalify.

Try extra choices by studying our article on the 16 Greatest Credit score Playing cards for Unhealthy Credit score in 2023.

When will I get my Surge bank card?

After your software for the Surge bank card is accepted, it usually takes seven to 10 enterprise days in your card to reach within the mail. However the actual timing would possibly differ relying on the postal service. 

In case you haven’t gotten your card after this time, you must contact customer support at 1-866-449-4514.

Some cardholders point out their card arrives late.

What financial institution is Surge bank card?

The Surge Credit score Card is issued by Celtic Financial institution, a Utah-Chartered Industrial Financial institution, and serviced by Continental Finance Firm.

What’s Continental Finance?

Continental Finance is one in every of America’s main entrepreneurs and servicers of bank cards for shoppers with less-than-perfect credit score. 

They focus on providing entry to credit score services and products to those that are largely neglected by conventional bank card issuers. The corporate is answerable for servicing playing cards just like the Surge card.

See our evaluations of the playing cards serviced by Continental Finance: FIT Credit score Card EvaluateReflex® Platinum Mastercard® Evaluate, and Cerulean Credit score Card Evaluate.

What bank cards are beneath continental finance?

Playing cards serviced by Continental Finance embrace Reflex® Card, FIT® Card, Verve® Card, Surge® Card, Matrix Card, Cerulean® Card, and Revel™ Card. 

Be taught extra about them studying our trustworthy evaluations: FIT Credit score Card EvaluateReflex® Platinum Mastercard® Evaluate, and Cerulean Credit score Card Evaluate.

Plus, see the most effective bank cards for horrible credit and our checklist of the finest unsecured bank cards for horrible credit.


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