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CREDIT CARD
Mastercard

Surge Mastercard

3 - 5
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💵
Annual Fee
$75–$99 (Varies)
💰
Minimum Income
Not specified
💳
Issuing Bank
Celtic Bank
🎖
Score
· Low
SEE HOW TO APPLY

Regaining control of your credit can feel like navigating a winding road, especially after financial setbacks. Imagine trying to rent an apartment or secure a loan, only to find your credit holding you back. The right tools, however, can help you overcome these challenges and reach the top with confidence.

Enter the Surge Mastercard, a card that doesn’t just give you access to credit but empowers you to rebuild it step by step. Whether you’re starting fresh or bouncing back from financial hurdles, this card could be the boost you need to turn things around.

What Makes the Surge Mastercard Stand Out

Essential Features for Building Credit

The Surge Mastercard is designed with credit building in mind, offering features that cater to individuals looking to establish a solid credit foundation. Here’s what makes it unique:

  • Credit Bureau Reporting: Every month, your account activity is sent to Equifax, Experian, and TransUnion, giving you a chance to show lenders you’re a reliable borrower.
  • Credit Limit Growth Potential: Start with a manageable limit of $300 to $1,000, and watch it increase over time as you demonstrate responsible credit habits.
  • Free Monthly Credit Score Updates: Track your progress with regular updates, helping you stay informed and motivated as you work toward your goals.
  • Fraud Protection: With zero liability for unauthorized charges, you can shop online or in-store with peace of mind.

A Card Designed for Accessibility

Unlike many credit cards that require excellent scores, the Surge Mastercard® offers an accessible option for individuals with fair or poor credit. In fact, over 80% of applicants with less-than-perfect credit are approved, making it a highly accessible option for those looking to rebuild their financial standing. It’s built to be inclusive, offering:

  • High Approval Odds: Designed for those who might not qualify for other credit cards.
  • Global Acceptance: Whether you’re shopping locally or traveling internationally, the Surge Mastercard® is your ticket to seamless transactions anywhere Mastercard is accepted.

Who Issues the Surge Mastercard?

Celtic Bank: A Trusted Financial Partner

The Surge Mastercard is issued by Celtic Bank, a trusted name in consumer and business finance. Headquartered in Salt Lake City, Utah, Celtic Bank has built a reputation for providing accessible financial solutions. Fun fact: Celtic Bank, a key supporter of small businesses across America, offers loans that help entrepreneurs succeed, a testament to its commitment to financial empowerment and reliability as the issuer of the Surge Mastercard. Their commitment to empowering individuals aligns perfectly with the purpose of the Surge Mastercard.

Who Should Consider the Surge Mastercard?

The Surge Mastercard may not be a universal solution, but it’s particularly suited for individuals who fit specific financial profiles:

  • Credit Builders: If you’re starting from scratch or recovering from past financial mistakes, this card gives you the tools to rebuild your credit.
  • Budget-Conscious Users: Those who can commit to paying off their balances each month will benefit most, avoiding interest while building a positive payment history.
  • Frequent Travelers: With global acceptance, this card ensures you’re covered no matter where life takes you.
  • Online Shoppers: Enjoy peace of mind with zero liability protection, a must-have for secure online purchases.

Ready to Take the Next Step?

The Surge Mastercard is more than just a credit card; it’s a tool for financial growth. If you’re ready to take control of your credit and open the door to new opportunities, this card could be your ideal companion. Take the first step to rebuild your credit and unlock financial opportunities, click below to learn more about how the Surge Mastercard can help you succeed!

 

Fees and Charges

Interest Rate for Revolving Credit

Starts at 24.99% (variable)

SOURCE

Celtic Bank official website

Expert Analysis

The Surge Mastercard® empowers individuals with fair or poor credit to rebuild their financial standing, offering accessibility, fraud protection, and credit bureau reporting.

SEE HOW TO APPLY

You will remain on this site

+Positive Points

- Reports to all bureaus
- High approval rates
- Fraud liability protection
- Global acceptance

- Negative Points

- High annual fees
- No rewards program
- High APR rates
- Limited initial credit limit

Expert Review

Fees
3,00
Benefits
3,00
Final Rating
3,00

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Annual Fee
Annual Fee
$75–$99 (Varies)
Annual Fee
$39
Annual Fee
36,00
Minimum Income
Minimum Income
Not specified
Minimum Income
None.
Minimum Income
Not specified
Card Network
Card Network
Mastercard
Card Network
Mastercard
Card Network
Mastercard
Score
Required Credit Score
Low
Required Credit Score
Fair (medium)
Required Credit Score
Low
Learn More About the Card Learn More About the Card
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