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Surge Mastercard® Credit Card

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Surge Mastercard® Credit Card

 

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  • Regular Purchase APR

    See Terms*

  • Intro Purchase APR

    N/A

  • Intro BT APR

    N/A

  • Typical Credit Needed

    500

    600

    700

    850

  • Annual Fee

    See Terms*

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 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

Card Fees

  • Late Payment Fees

    See Terms*

  • Balance Transfer Fee

    N/A

  • Returned Payment Fee

    See Terms*

  • Penalty APR

    N/A

Additional Card Details

  • $0 Fraud Liability

    No

  • Auto Rental Insurance

    No

  • Extended Warranty Program

    No

  • Roadside Assistance

    No

  • Purchase Protection

    No

  • Travel Assistance

    No

  • Flight Accident Insurance

    No

  • Lost Luggage Reimbursement

    No

  • Concierge Service

    No


Expert Reviews

  • Regular APR

    1.0

  • Intro APR

  • Fees

    1.0

  • Benefits

    2.0

  • Overall Rating

    2.0 /5

From the CompareCards.com Editorial Team

The Surge Mastercard® Credit Card is one of the only unsecured credit cards available to consumers with poor credit. That means you don’t have to put down a security deposit to get approved, and you don’t have to pre-load your own funds onto the card. However, since this card is available to consumers with poor credit, there are a number of costly fees that you should be aware of. Be sure to read the Terms and Conditions before applying for the card so you don't get caught by surprise.

The ongoing APR on this card is higher than usual, so it would be wise to pay your balance off in full each month to avoid interest charges. Overall, this card could be a useful tool to build credit if you can’t get approved for many other credit card, but you need to consider the cost of the numerous fees and make sure it’s the right decision.

The Bottom Line

Since people with poor credit have limited options in terms of which credit cards they can get approved for, the Surge Mastercard® Credit Card is a nice option to have that doesn’t require a security deposit. But the fees can be costly, so it’s important to understand what you’ll end up paying.

The Good

This card is available to almost every kind of credit profile. Unlike prepaid cards, the Surge Mastercard® Credit Card reports to the credit bureaus, so you use the card responsibly, your account activity with help you build your credit score.

The Not So Good

The fees and APR associated with this credit card are pretty high.


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 may not have been reviewed, approved or otherwise endorsed by Celtic Bank.

Expert Reviews of the Surge Mastercard® Credit Card

  • Regular APR

    1.0

  • Intro APR

  • Fees

    1.0

  • Benefits

    2.0

  • Overall Rating

    2.0 /5


Consumer Reviews 0 Reviews

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