Surge® Platinum Mastercard®

Celtic Bank is an Experian Partner

Surge® Platinum Mastercard®

Recommended FICO® ScoreΘ Rating

Poor - Good, Rebuilding

Get your FICO Score for free
  • Annual fee

    $75 - $125

  • Intro APR


  • Ongoing APR

    29.99% Variable

  • Ongoing Balance Transfer APR


Card details:
  • 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)
  • Free 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
  • 29.99% APR (variable)
  • $75 - $125 annual fee
  • 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

Experian Review:

Surge Platinum Mastercard® Review: Light on Perks, Heavy on Fees

The Surge Platinum Mastercard® offers an easy way to get approved and build credit, but its fees may have you looking elsewhere to achieve your goal.

Read full review

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 is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn more.

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