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Surge Platinum Mastercard Credit Card

Surge® Platinum Mastercard®

- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply!
- Monthly Credit Score: Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
- Initial Credit Limit from $300 to $1,000 (subject to available credit)
- Monthly reporting to the three major credit bureaus
- See if you're Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Online account access 24/7
- Checking Account Required

4.1 / 5.0 (13 votes)

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Information - Rates - Fees

Intro APR:

N/A*

Intro Period:

N/A*

APR:

35.90%*

APR Type:

fixed

Annual Fee:

See Terms*

Issuer:

Celtic Bank

Card Network:

Mastercard®

Card Category:

Consumer (Regular)

Card Type:

Card for Bad Credit
Instant Decision
No Credit / New to Credit
Pre-Qualification
Starter

Credit Needed:

Bad Credit OK*

Grace Period:

25 days*

Min Credit Line:

$300

Max Credit Line:

$1,000

Late Payment Fee:

See Terms*

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):

35.90%

Cash Advance Fee (%):

3.00%

Minimum Fee:

$10.00

Other Fees

Application Fee:

See Terms

Additional Fees

Late Payment Fee: Up to $41.00
Return Payment Fee: Up to $41.00
Annual Fee: from $75 to $125
Monthly Maintenance Fee: Credit Limit of $300 or $500: $0 introductory fee for the first year, then $150 thereafter (billed $12.50 per month)
Additional Card Fee: $30 (one time, if applicable)
Foreign Trans Fee: 3% of each transaction in U.S. dollars

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Review by CreditCardsLab

Ready for a better financial opportunity? The Surge Platinum credit card, backed by Mastercard, delivers many advantages, regardless of one's credit history. With a faster approval process, today's modern consumers will appreciate the straightforward approach from this bank and this offer.

These days, consumers want more, but they don't want to be overwhelmed with the unnecessary 'fluff' that comes with many of today's financial tools. Fortunately, customers have seen firsthand the difference a simpler approach makes. No worries about hidden or surprise fees and no worries about changing policies; you'll see a transparent business model designed with the customer as the priority. Isn't that what we all really want, anyway?

Not only will you have the strength of Mastercard behind you, but you'll enjoy the latest in payment processing, bill management and online services in one convenient website. Safety is our priority so you don't have to lose sleep over the ever-increasing hacks. Rest assured we are focused on keeping your information safe.

Applying is easy and finding the terms and conditions is always front and center. Apply quickly online for a fast answer or if you've received a pre selected offer in the mail, you can easily access the terms of your offer with the certificate number provided.

Features

Most attractive:

- All credit accepted
- Instant decision
- Credit reporting
- High credit lines

Least attractive:

- Annual fee
- Maintenance fee

Rewards & Benefits

Other Benefits:

See website for other benefits

Online Access:

Yes!

Credit Reporting:

Yes

*The information provided for Surge® Platinum Mastercard® is believed to be accurate at the time of evaluation (May 2, 2024). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.