Surge credit card reviews

Surge credit card reviews DEFAULT

Surge Mastercard® Credit Card review


Bankrate rating

      Surge Mastercard® Credit Card

      Intro bonus


      Recommended Credit Score

      No Credit History 

      The Surge Mastercard credit card is issued by Celtic Bank, designed for those who have a bad credit history or none at all and want to build or rebuild their credit.

      You can check your Surge credit card application status and see if you pre-qualify in less than a minute. This unsecured credit card doesn’t require collateral — but it does come with a significant annual fee.

      If your credit card options are limited, you can use a Surge Mastercard payment plan to build up your score with responsible use.

      • Rewards rate: N/A
      • Welcome offer: N/A
      • Annual fee: $75–$99
      • Purchase Intro APR: N/A
      • Balance Transfer Intro APR: N/A
      • Regular APR: % — % variable

      Current sign-up bonus/welcome offer

      There’s no sign-up bonus or welcome offer with this card. The main introductory benefit is the quick prequalification offer. Once you know if you’re prequalified, the application process is swift and you can start working on your credit almost immediately.


      The Surge Mastercard credit card is an accessible credit card to consumers with a wide range of credit scores. It’s an option for those who have difficulty getting approved for an unsecured credit card and don’t want to give a security deposit — as secured credit cards require.

      As you use the Surge credit card, your usage will be reported to all three major credit bureaus — TransUnion, Experian and Equifax. With on-time payments, low credit card utilization and responsible use, you can build up your credit score and eventually qualify for a better credit card.

      You may also be eligible for a potential credit limit increase after six months of making the required minimum monthly payments. This can help lower your credit utilization, which is another factor that can positively impact your credit score.

      No security deposit

      You can get a credit limit between $ and $1, with the Surge credit card, with no security deposit required. If you’re approved, you have instant access to cash without having to offer up your own cash first. Up to $1, credit limit doubles up to $2,! (Simply make your first 6 monthly minimum payments on time)

      Rates and fees

      The Surge credit card has an annual fee of $75 to $99, which is quite steep for a credit-building credit card. There’s also a potential monthly maintenance fee of up to $ Other credit-building cards come with no monthly maintenance fees.

      There’s also an additional one-time card fee of $30, if applicable. The card has a cash advance fee of 5 percent of the cash advance amount or $5, whichever is greater.

      If you’re traveling internationally, there’s a foreign transaction fee of 3 percent. Late payments and returned payments both come with penalty fees up to $

      APRs range from percent to percent, based on creditworthiness. This is quite high compared to other credit card. High APRs are typical of credit-building cards.

      How the Surge Mastercard compares to other credit-building cards

      If you’re looking for a credit card to build up credit, you may be better off with other options.

      The OpenSky Secured Visa Credit Card requires a refundable security deposit of $ to $3,, but the benefit is you can increase your credit line dramatically compared to the Surge Mastercard (since the deposit amount also becomes the credit limit). The annual fee of $35 is also lower, as is the variable APR of percent.

      The Capital One Platinum Secured Credit Card is another secured credit card, but the refundable deposit amount is only $49, $99 or $, depending on credit history. The variable APR of percent is high, but all cardholders can be automatically considered for a higher credit line in as little as 6 months with on-time monthly payments. The major benefit of this credit-building card is that there’s no annual fee.

      Credit cardAPRAnnual feeSecurity depositCredit line
      Surge Mastercard® Credit Card%% variable$$99None$$1,
      OpenSky® Secured Visa® Credit Card% variable$35$$3,Same as security deposit
      Capital One Platinum Secured Credit Card% variable$0$49, $99 or $Start with an initial credit line of $

      Best cards to pair with Surge Mastercard

      The Surge Mastercard’s high annual fee, high APR and lack of rewards make this a credit card you should only consider if you want an unsecured card and lack better options.

      If you want to build up your credit, consider pairing the Surge Mastercard with a secured credit card to increase your credit availability, and potentially decrease your credit utilization.

      Keep in mind, though, that getting too many credit cards in a short amount of time can damage your score. If you need to improve your credit score, getting multiple cards in a short time frame would be counterintuitive.

      As your credit score increases, you may want to research better credit cards you might qualify for. Cash back and travel credit cards offer rewards as long as you make on-time payments. If you pay off what you owe in full each billing cycle, you can earn rewards without owing any extra interest.

      Bankrate’s take – Is Surge Mastercard worth it?

      If you need an unsecured credit card and don’t qualify for better cards, the Surge Mastercard can help you build up your credit with responsible usage.

      If you can qualify for a card with a lower annual fee or have the funds to contribute a refundable security deposit, you may be able to qualify for a lower-cost secured credit card or a card with better perks.


      • Build up your credit with responsible usage
      • Get access to a credit limit of up to $1, without having to contribute a security deposit
      • You may qualify for a higher credit limit after six months of usage


      • You have to pay an annual fee
      • The variable APR is higher than some secured credit cards and higher than most unsecured credit cards
      • The card comes with no perks

      Compare the best credit cards for no credit history


      We want to help you make more informed decisions. Some links on this page — clearly marked — may take you to a partner website and may result in us earning a referral commission. For more information, see How We Make Money.

      • Intro bonus: N/A
      • Annual fee: See Terms*
      • Regular APR: See Terms*
      • Recommended credit score: (No Credit History)

      The Surge Mastercard® Credit Card is an unsecured credit card for people with bad credit or a limited credit history, issued by Continental Finance and Celtic Bank. Because it’s an unsecured card, you won’t have to submit a deposit upfront. However, this card’s high ongoing fees can quickly add up. 

      With any card for building credit, you should prioritize responsible credit use. Your Surge Credit Card usage and on-time payments are reported to the three credit bureaus monthly, which can help you increase your credit score over time.

      At a Glance

      • Starting credit limit of $ to $1,
      • Annual fee of $75 to $99 
      • Monthly maintenance fee of $0 to $10 per month, starting after the first 12 months
      • Reports to credit bureaus monthly
      • %% variable APR


      • Credit-building tool for those with imperfect credit

      • Potential credit line increase after six months


      • $75 to $99 annual fee required

      • Additional monthly maintenance fee up to $10 per month

      • Very high APR

      Additional Card Details

      Since the Surge Credit Card is for people with bad credit or little credit history, it doesn&#;t offer many benefits beyond monthly reporting to the three credit bureaus. 

      Because it&#;s unsecured, you don&#;t have to put down a cash deposit like you would with a secured credit card. This can be helpful if you know you can make on-time payments each month, but don’t have the cash upfront to secure a deposit. 

      The most important thing to understand about this card before applying for it is its fee schedule. Not only will you be assigned an annual fee between $75 and $99, but you may also take on a monthly maintenance fee starting after your first 12 months. The issuer assigns this fee based on your creditworthiness. It can range from $0 to $10 per month, potentially adding another $ to your annual total.

      Your starting credit limit will range between $ and $1,, and you can request a higher credit limit after just six months. You also get a free monthly credit score when you enroll in e-statements, which can help you track your credit progress over time.

      Should You Get the Surge Credit Card?

      There are many better options for building credit than the Surge Credit Card — both secured and unsecured. Despite avoiding the deposit required with a secured credit card, you may end up paying much more over time with this card, even if you practice perfect credit use and never subject balances to this card’s high APR. 

      Say, for example, you’re assigned a $99 annual fee, an additional $10 monthly maintenance fee starting the second year, and it takes you two years to build a score high enough to qualify for another credit card. If you close this card after that time, you would have paid a total $ over the lifetime of the card.

      You’re better off saving that amount upfront and putting it toward a refundable security deposit on a secured credit card. This way, you could rest assured you’ll receive your deposit back after you’ve used the card to increase your score, as long as you close the card in good standing.

      One thing we do like about this card is the potential credit limit increase you can get after six months. However, the issuer only reviews your account after this time at your request — other credit-building cards, like Capital One Platinum Credit Card, offer automatic credit line reviews after the same time period. 

      With that being said, the Surge Credit Card could make sense if you have fair or poor credit and you really want an unsecured credit card — especially if you qualify for the lower annual fee and no monthly maintenance fee. This card does help you build credit through responsible credit use, which can increase your chances of approval for better credit cards in the future. But it shouldn’t be your first option. See the terms you might qualify for by checking your prequalification offers on the issuer’s site before you commit to an application and undergo a hard credit check.

      How to Use the Surge Credit Card

      To get the best use out of this card as a credit-building tool, use it for small purchases you can pay off each month. If you carry a balance, the incredibly high APR this card charges can make those balances quickly add up to long-term debt.

      Make sure you pay your credit card bill early or on time each month, and keep your credit utilization low for the best possible impact on your credit score.

      The Surge Credit Card comes with an initial credit limit of $ to $1,, so you&#;ll need to be extra careful about your spending to improve your credit. Credit utilization is one of the most influential factors in your credit score, and experts recommend maintaining a utilization rate below 30% (and ideally below 10%). If your credit limit is $, for example, your balance should stay below $ each month.

      If you do decide to get the Surge Credit Card, use it only as long as you need to improve your score and qualify for better, more affordable cards.

      Surge Credit Card Compared to Other Cards

      • Intro bonus:


      • Annual fee:

        See Terms*

      • Regular APR:

        See Terms*

      • Recommended credit:

        (No Credit History)

      • Learn moreat our partner&#;s secure site.
      • Intro bonus:


      • Annual fee:


      • Regular APR:

        % (Variable)

      • Recommended credit:

        (No Credit History)

      • Learn moreat our partner&#;s secure site.
      • Intro bonus:


      • Annual fee:

        $75 for the first year. After that, $99 annually ($ per month)

      • Regular APR:

        % Variable

      • Recommended credit:

        (Bad to Fair)

      • Learn moreat our partner&#;s secure site.

      Bottom Line


      As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

      You can get approved for the Surge Mastercard Credit Card with less-than-great credit, and use it to begin building better credit habits. However, the fees for this card are high, making it more costly than other cards for improving credit.

      Before you apply, consider credit card options for bad credit that might cost you less over the long run, including secured credit cards. 

      Frequently Asked Questions

      Does the Surge Credit Card give credit line increases?

      After you’re approved for the Surge Credit Card and use it responsibly for six months, you may be eligible for a credit line increase.

      Is the Surge Credit Card a secured credit card?

      The Surge Credit Card is an unsecured credit card, meaning you don&#;t have to put down a cash deposit as collateral.

      What is the annual fee on the Surge Credit Card?

      The Surge Credit Card charges an annual fee between $75 and $ You may also be assessed a monthly maintenance fee of up to $10 (after the first 12 months from account opening).

      1. Tnt cart parts coupon code
      2. Generac pressure washer parts
      3. 18 x 12 bathroom vanity
      4. Best ball fantasy football fanduel

      The Surge Mastercard® Credit Card offers a few key advantages for credit-builders, including a relatively high starting credit limit and an automatic credit limit increase after you make your first six monthly payments on time.

      However, the card carries high fees and a high APR, making it tough to recommend for most credit-builders. This card can be both a costly and risky option for cardholders short on cash.

      Unless you can’t afford to tie up money in a deposit, you’ll almost certainly be better off opting for a no- or low-annual-fee secured credit card.

      High fees and APR

      If you’ve been comparing credit cards for people with bad credit or a limited credit history, it may come as no surprise to learn that the Surge Mastercard carries its share of fees. High annual or monthly maintenance fees are common among unsecured credit-building cards, and the Surge Mastercard is no exception.

      While the exact cost of carrying the Surge Mastercard will vary based on your credit history and length of membership, it is likely to far exceed that of the typical secured card. The Discover it® Secured Credit Card and Capital One Platinum Secured Credit Card, for example, both charge no annual fee at all.

      The Surge Mastercard also carries a high ongoing APR, regardless of your credit history. While the card’s rate is on par with that of many unsecured credit-building cards, it’s much higher than the average credit card interest rate and could spell trouble if you wind up needing to carry a balance.

      Decent credit limit and chance at automatic credit limit increase

      The card offers a starting credit limit of $ to $1,, depending on your credit history and financial profile.

      While a starting limit of $ to $ is common among unsecured cards for people with damaged credit, a $1, limit is on the high side. You can also boost your credit limit automatically by making your first six monthly card payments on time. This is a big plus since most cards in this category give no concrete guidelines on how you can get a credit limit increase, and very few offer automatic credit line increases.

      This could be a major plus if you’re looking to build credit, as a higher credit limit will make it much easier to keep your credit utilization – the amount of money you’ve borrowed relative to your total available credit – in check.

      Despite the relatively high credit limit, you’ll likely be better off putting down a deposit on a lower-cost secured card and setting your own credit limit.

      Secured cards typically base your credit limit on the size of your deposit, and a number of high-limit secured cards let you put down $2, or more and get a matching limit. Such a high limit could significantly boost your credit-building efforts, as your credit utilization ratio accounts for 30% of your credit score.

      See related:What affects your credit score?

      Limited perks

      The Surge Mastercard comes with $0 fraud liability, and cardholders can enroll in e-statements to receive a free monthly credit score, but otherwise the card offers next to nothing in the way of cardholder benefits.

      The Surge Mastercard does report monthly to all three national credit bureaus, however. This may not sound particularly impressive – and it should be considered the bare minimum for all credit cards – but some low-end credit-building cards only report to a single bureau.

      Approval odds

      The Surge Mastercard is designed for users with no credit history or a subpar credit score, so it should be within reach for most credit-builders. Like most credit cards, however, the Surge Mastercard requires applicants to have a checking account.

      You can also prequalify for the card with only a soft pull of your credit report. This won’t affect your credit score and is not a guarantee of approval, but it should give you some extra peace of mind before you submit a formal application.

      See related:What is a ‘soft pull’ credit card?

      How does the Surge Mastercard compare to other credit-building cards?

      Though it offers a chance at a relatively high credit limit and the ability to increase your limit with responsible card use, the Surge Mastercard is less-than-ideal for credit-builders on a budget due to its high fees.

      Depending on your credit history, you may qualify for a handful of more affordable unsecured cards, some of which give you a chance to make up their cost with rewards and other benefits. Here are a few of our favorite alternatives:

      Capital One QuicksilverOne

      Capital One QuicksilverOne Cash Rewards Credit Card

      Wells Fargo Propel American Express card

      Credit One Bank&#; Platinum Visa&#; for Rebuilding Credit

      Petal Visa Credit Card

      Petal® 2 "Cash Back, No Fees" Visa® Credit Card

      Rewards rate

      % cash back on all purchases

      Rewards rate

      1% cash back on eligible purchases including gas, groceries and phone services. Terms apply.

      Rewards rate

      1% cash back on eligible purchases right away. Up to % cash back on every purchase after making 12 on-time monthly payments.

      Credit limit

      See terms

      Credit limit

      Starting at $

      Credit limit


      Annual fee


      Annual fee

      $75 for the first year, After that, $99 annually ($ per month)

      Annual fee


      Other things to know
      • Account reviewed for possible credit limit increase after 6 months of on-time payments
      • Automatic cash back redemption available
      • No foreign transaction fees
      Other things to know
      • Free Experian credit score and $0 fraud liability
      • Pre-qualify and see your offer before you apply
      • $19 annual fee for authorized users
      Other things to know
      • No fees of any kind
      • Issuer considers alternative credit data (like income and bill payment history) when evaluating applications, not just credit score
      • Includes money-management tools and free credit reporting

      Capital One® QuicksilverOne® Credit Card

      Geared more toward cardholders with an average credit score, the Capital One QuicksilverOne card offers unlimited % cash back on every purchase. While this is not the most impressive cash back rate, it should help to offset the card’s $39 annual fee. You’ll also have a chance at a credit limit increase if you make six consecutive on-time payments.

      Credit One Bank® Platinum Visa® for Rebuilding Credit

      While the Credit One Bank Platinum Visa for Rebuilding is still not the cheapest option, the card offers good approval odds even with poor credit and comes with a cash back rewards program that can help reduce your total cost of ownership. It’s also an unsecured card, so you won’t have to tie up hundreds in a deposit just to get started.

      See related:Credit One vs. Capital One

      Petal® 2 &#;Cash Back, No Fees&#; Visa® Credit Card

      A unique credit-building offering for those with a limited credit history, the Petal 2 card earns cash back with no deposit required and no fees of any kind. You’ll earn 1% back on eligible purchases to start, with this rate increasing to % after you make six on-time monthly payments and to % after 12 on-time monthly payments. Additionally, since the issuer considers alternative credit data in its approval decisions, it’s a great option for someone with limited credit but a good income and bill payment history.

      Who should get the Surge Mastercard?

      • Cardholders with a limited credit history or lackluster credit score looking to build credit.
      • Cardholders who want a chance at a higher-than-average credit limit on an unsecured credit-building card.
      • Cardholders who want to avoid putting down a deposit.

      How to use the Surge Mastercard:

      • Pay on time and keep your credit utilization low to give yourself the best chance of improving your credit score.
      • Pay the card off in full each month to avoid the card’s potentially high APR.
      • Make your first six monthly card payments on time to get an automatic credit limit increase.

      Is the Surge Mastercard worth it?

      Unless you have no other options, the Surge Mastercard is unlikely to be your best credit-building option. Due to the high fees and a high APR there could be a better card for people with no credit history or bad credit.

      Surge Credit Card Review
      digicert badge

      © – Credit Karma, Inc. Credit Karma™ is a registered trademark of Credit Karma, Inc. All Rights Reserved. Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. This site may be compensated through third party advertisers.

      iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

      Android is a trademark of Google Inc.

      The Equifax logo is a registered trademark owned by Equifax in the United States and other countries.


      Credit reviews surge card

      He was a year older than me, and he was more nimble in character, and, I would even say, more impudent. So he was our ringleader. Over time, we did not stop being friends, he visited us many times and my wife and I visited them in the village. I was very happy about his call. - Hi, Yurik.

      Reflex MasterCard Credit Card Review ($500 min starting limit, Easy Approval, Bankruptcy Accepted)

      And I did not freeze at all, Katya joked. Everyone looked at her and talked for another five minutes and then went to class. Everything went well on the exam. Katya remembered the ticket in one breath and went out to tell the story.

      You will also like:

      There was a pause in the air, Nastya did not say a word, and then the man came closer to her and bent over her face, took her chin. And repeated: Will you jerk me off or not. There was fear in her eyes, but he heard her breathing quickened, he still did not understand whether she was afraid of him or passionately desires, then.

      He ran his thumb over her plump lips, she licked them and finally answered: I I would very much like this if you allow me to do it. Then he let go of her and unbuttoned the fly of his trousers and took out his stone member.

      810 811 812 813 814