Card Review & Application


out of 5

- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types are 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 of from $300 to $1,000 (subject to available credit)
- Monthly reporting to the three major credit bureaus
- See if you're PreQualified without impacting your credit score
- Fast and easy application process; results in seconds
- Online account access 24/7
- Checking Account Required

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 29.99% (variable)*
Annual Fee: See Terms*
Card 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: Fair*

The Surge Platinum Mastercard offers consumers an opportunity to apply for a credit card, regardless of their credit type. With an instant approval process, it fits well with today's fast-paced world and those consumers who want to keep up.

Mastercard has partnered with Continental Finance and Celtic Bank, one of the leading small business and residential construction leaders in the country. This privately only Utah bank was ranked 8th largest lender for 2014. Continental Finance was founded in 2005 and it too leads its sector for marketing and credit card services for consumers. It specializes in providing a greater access to financial tools and services to all consumers. Together, this trio provides a strong state of the art process in its marketing, servicing and underwriting policies, ensuring it remains a viable option for a broader cross-section of customers.

Applying is easy, too. You can quickly apply online for an immediate answer or if you've received a pre-selected offer in the mail, you can quickly access that offer with the certificate number provided.

While this offer does not include a co-applicant option, you can choose to add an authorized user to your account anytime. No worries about your privacy, our partners are committed to consumer safety, both online and off. Once you're approved and you've funded your account, if applicable, you will receive both your welcome package as well as your Mastercard in just a few short days.

Rest easy knowing you'll enjoy a credit limit of at least $300, which puts buying power in your hands right away. Because we are committed to transparency, you will always be able to review the terms and conditions, including your APR, on our convenient, easy to use website. If a security deposit is required, you can quickly set that up using the website or by calling our customer service team. Our customer service reps are trained to provide consistent, fast and accurate information no matter who you speak to.

Even better is the ease in which you can manage your Mastercard account right from your computer. Easily make payments to your credit card, enroll to receive online statements if you wish, you can view recent transactions, compare your monthly statements and view your payment history. It's a great way to get a perspective on budgeting your finances. It's a free service, too, so no worries about unexpected fees. In our ever changing society, any benefit we can add to our financial arsenal is a good thing. Whether you're a recent college graduate looking to begin building your financial portfolio or if your'e just looking for a different solution for your credit needs, you'll find much to love about this credit card offer.

Not only that, but we incorporate the latest in online security. You'll browse with confidence whether you're paying your monthly utility bills or wrapping up a bit of last minute holiday shopping. We remain committed to providing our customers secure financial avenues. To do this, we incorporate the latest in encryption technology, including SSL technology, so that your information is safe as it moves across the internet. Be sure to visit our website to learn more about what we're doing to keep you safe. Also, remember that you have the Mastercard logo behind every purchase you make.

And speaking of protections, you also have the option of Credit Protection. This beneficial protection ensures a job loss or disability doesn't mean financial calamity. This service will cover up to twelve continuous monthly payments for the primary cardholder. It also offers one minimum monthly payment if you're hospitalized, which means you can focus on recovery instead of meeting a payment. As part of this protection, the outstanding balance is paid in the event of the primary cardholder, ensuring it does not become a burden to your family in worst case scenario. Activating this coverage is easy. Once you receive your new Surge card, simply call complete the request form and we'll handle the rest.

The Surge Platinum Mastercard credit card offer was designed to ensure a better financial solution for consumers who are looking something stronger, more financially attractive and more affordable. Explore this offer, review the terms and conditions, and when you're ready, rest assured we'll be there.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Other Benefits: See website for other benefits
Credit Reporting: Yes
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 29.99% (variable)*
Annual Fee: See Terms*
Grace Period: 25 days*
Min Credit Line: $300
Max Credit Line: $1,000
Late Payment Fee: See Terms*
Balance Transfer: No
APR Cash Advances: See Terms
Application Fee: See Terms
Additional Fees - Return Check Fee: Up to $41
- Late Payment Fee: Up to $41
- Annual Fee: from $75 to $125
- $300 Credit Limit has a $75 Annual Fee for the first year and a $99 Annual Fee for the second year
- $500, $750, and $1,000 Credit Limits have $125 Annual Fee
- Monthly Maintenance Fee: $0 - $120 annually (billed at $0 - $10 per month). The monthly maintenance fee is not billed for the first 12 months.
- Additional Card Fee: $30 (one time, if applicable)
- Foreign Trans Fee: 3% of each transaction in U.S. dollars
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* The information provided for Surge® Platinum Mastercard® is believed to be accurate at the time of evaluation (Nov 5, 2023). We strongly advise visitors to review the terms and conditions to verify accuracy of the information and fees posted prior to applying for the product.

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