Surge® Platinum Mastercard®

Celtic Bank is an Experian Partner

Surge® Platinum Mastercard® logo.

Surge® Platinum Mastercard®

Recommended FICO® ScoreΘ

Poor - Good, Rebuilding

Annual Fee:

$75 - $125

Intro APR:


Ongoing APR:

29.99% Variable

Ongoing Balance Transfer APR:


  • See if you Pre-Qualify with no impact to your credit score
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
  • All credit types welcome to apply
  • Card offers are for an authentic Mastercard with a Credit Limit between $300 - $1,000 (subject to available credit)
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)
  • Use your card at locations everywhere Mastercard is accepted
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process
  • This unsecured card requires no deposit and can help build your credit with responsible use
  • Potential for credit limit increase after six months

  • Applicants can be approved even with a poor or fair credit score

  • Reports payment history to all three credit bureaus

  • Free online account access

  • High APR

  • Charges a high annual fee

  • Cash advances, foreign transactions and additional cards all incur a fee

See all Celtic Bank‘s offers

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

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