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Surge® Platinum Mastercard®
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- See Rates & Fees
Credit Needed: Fair, Limited, PoorCreditWeb considers the following based on credit types:
A credit score between 601 and 699 is considered fair credit. A credit score between 645 and 689 is considered limited credit. A credit score below 600 is considered poor credit. 2
Reviews: 1
Rewards: None
| Annual Fee |
Balance Transfers APR |
Purchase Intro APR |
Regular APR |
| $75 - $125 |
See website for Details* |
See website for Details* |
35.90% Fixed |
|
Our OpinionThe Surge Platinum Mastercard is issued by Celtic Bank and serviced by Continental Finance for people with less than perfect credit. The pricing terms list no security deposit, and Continental Finance says it reports your payments to TransUnion, Experian and Equifax every month. Your fees depend on the credit limit you are assigned, from $300 to $1,000.
What it really costs
- $300 limit: $75 annual fee in year one. From year two, $99 a year plus $12.50 a month, or $249 a year in account fees before interest.
- $500 limit: $125 a year, plus $12.50 a month from year two.
- $750 or $1,000 limit: $125 a year, plus $10 a month from year two.
- APR: 35.90% on purchases and cash advances.
- Other fees: $10 or 3% per cash advance, whichever is greater, and 3% on foreign transactions, both waived in year one on $300 and $500 limits. Late and returned payments cost up to $41. An additional card costs $30 and a premium card costs $9.95, both one-time and optional.
Who it suits
It can make sense if you do not want to tie up cash in a deposit and you plan to pay in full each month so the APR never comes into play. Continental Finance says paying on time and keeping your balance under your limit may help you rebuild or improve your credit score.
Who should look elsewhere
If you can set aside a deposit, compare a secured card. The FTC notes that secured cards usually require a deposit of part or all of the credit limit, which you usually get back when you pay off the balance and close the account. Compare total yearly costs, not only the deposit. If you expect to carry a balance, a 35.90% APR makes this an expensive place to do it.
Tips if you get the card
- Pay the full balance by the due date to avoid interest on purchases.
- Budget for the monthly fee that starts in year two.
- Set payment reminders. A late payment costs up to $41, and missed payments can lead to negative information on your credit report.
- Fees are charged before you use the card, so a $300 limit starts with $225 available, or $185 with both optional extras.
Approval is not guaranteed. Review the current rates and fees before you apply.
For rates and fees of the Surge® Platinum Mastercard®, please
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