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The Surge Mastercard® is a good choice of an unsecured credit card for people with bad credit. It is really easy to qualify for this card and you get all the benefits from having a genuine unsecured credit card that you can use anywhere where Mastercard® is accepted.

I created this review so that you can understand how this card works, its benefits, and its shortcomings.

In this review:

Surge Credit Card Review & Ratings

Surge Mastercard®

6.8 out of 10

Surge credit card is designed to help people with poor or damaged credit. It’s one of the rare unsecured credit cards you can get easy approval for.

The fees that come with the card are high, but they are lower than those of similar unsecured credit cards for bad credit.



All credit types welcome to apply

Up to $1,000 credit limit doubles up to $2,000

See if you’re Pre-Qualified with no impact to your credit score

Use your card at locations everywhere Mastercard® is accepted

Mastercard Zero Fraud Liability Protection


High APR

$75-$99 Annual Fee

Get the security and convenience of a full-feature, unsecured Mastercard credit card.

Apply Now →

What Makes Surge Mastercard® Different?

The Surge Mastercard® is an unsecured card that allows people with poor credit to obtain a credit card without having to make a deposit.

The card is primarily for helping people with bad credit obtain new credit and re-build their credit profile. The card reports to all three major credit bureaus.

The initial credit limit ranges from $300 up to $1,000 which is slightly higher than other similar credit cards. You can potentially get a credit limit increase of up to $2,000 after as little as 6 months.

The Surge Mastercard® Credit Card has a lower APR than most other credit cards for bad credit, but it still carries high annual and monthly fees. The good news is that you don’t have to pay the monthly fee for the first 12 months after you open your account. This makes Surge Mastercard® Credit Card one of the cheaper options available – for the first year at least.

Along with reporting to all 3 of your credit bureaus, you will get free access to your VantageScore 3.0 as well as an instant credit limit increase after making several on-time payments.

About the issuer

Surge Mastercard® is issued by Celtic Bank, a company that specializes in providing access to credit products and services to consumers who are largely overlooked by traditional credit card issuers and local banks. 

Celtic Bank was founded in 2001 and is a leading nationwide small business lender.

They are headquartered in Utah and are a privately owned industrial bank. They are also an SBA Preferred Lender and were named the largest SBA Lender in the nation.

Surge Mastercard® Features

The Surge Credit Card is packed with several features that make it one of the best unsecured credit cards for rebuilding credit.

Below are some of the basic features of the Surge Mastercard®:

  • Card type: Unsecured
  • Credit score needed: Poor/Bad credit
  • Initial credit limit: $300-$1,000
  • Credit limit increase after just 6 months
  • Credit reporting: Reports payment information to all three credit bureaus
  • See if you’re pre-qualified without impacting your credit score
  • Easy to qualify (all credit types accepted)
  • No credit check to apply
  • Mastercard Zero Fraud Liability
  • Manage your account 24/7 with online access

Vantage Score Access With Surge Mastercard®

Another amazing feature of the Surge Mastercard® is that you get access to your VantageScore 3.0. All you need to do is accept electronic statements when signing up for the card and your score will be on your monthly statements. 

This is a neat perk since you’ll be able to see exactly how making on-time payments impacts your credit score each month.

Get the security and convenience of a full-feature, unsecured Mastercard.

Apply Now →

Surge Mastercard® Rates and Fees

Here’s the breakdown of all the fees and interest charges that come with Surge credit card: 

  • Interest rate: 24.99% – 29.99% variable APR (based on your creditworthiness when you open your account)
  • Cash advance interest rate: 24.99% – 29.99% variable APR
  • Minimum interest charge: None
  • Annual fee: $75.00 – $99.00, after that $99.00 annually
  • Monthly fee: None for first year (introductory). After that, $0-$120.00 annually ($10 per month).
  • Additional card fee: $30 (optional)
  • Premium card fee: $9.95 (optional)
  • Rewards: None
  • Cash advance fee: Either $5.00 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign transaction fee: 0-3%
  • Late payment fee: Up to $40
  • Returned payment fee: Up to $40

Keep in mind that the annual fee for the first year will be deducted from your initial credit limit. This means that if you get approved for an initial credit limit of $300 and your annual fee is $75, your initial available credit will be $225.

Surge Mastercard® Pros & Cons

All credit types welcome to apply$75 – $99 Annual Fee
No monthly fee for 12 months24.99% – 29.99% (variable) APR
See if you’re Pre-Qualified with no impact to your credit score
Up to $1,000 credit limit doubles up to $2,000!
Free access to your Vantage 3.0 score from Experian
Monthly reporting to the three major credit bureaus
Fast and easy application process
Mastercard Zero Fraud Liability Protection

Surge Mastercard® Alternatives

An unsecured credit card through Surge is one of the best options when it comes to establishing or rebuilding credit. 

However, there are a few other options available for building or repairing your credit, and if you can, I would get them in addition to the Surge card.

Credit Cards for Poor Credit

While credit card options for people with poor credit are typically much narrower than those in the good or fair categories, you can still find a variety of choices much better than the First Access Visa card.

Find the ‘bad credit’ credit cards most likely to accept you. Help repair your poor credit score and compare the best credit cards for bad credit.

Best Credit Cards for Poor Credit

Credit Building Tools

There are many different ways to improve your credit score, other than getting a new credit card. Here are some of our favorites:

Experian Boost can help you build your credit record with phone and utility payments… and it’s absolutely free!.

Try Experian Boost Now!

Self online credit builder loans are straightforward to apply for and the application process is easy.

Learn More

No matter if you are looking to start building your credit or need to rebuild your credit, a secured credit card is one of the best tools to use on your journey.

Best Secured Credit Cards

Steps To Take After You’re Approved

The real work starts once you have been approved for your Surge Mastercard® Credit Card.

Monitor Your Credit

One of the most overlooked areas of building credit is monitoring your credit. This is truly your first line of defense when trying to build or rebuild your credit.

You should try to find a service that allows you to monitor all 3 of your reports.

With Surge Mastercard you can get your VantageScore 3.0 on your monthly statements. But if you would like to have access to your score more often than once per month it might be worth looking elsewhere.

Monitor Your Credit for FREE!

Credit Sesame’s 100% free credit monitoring service is hassle-free with no strings attached.

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Make On Time Payments

Making on-time payments sounds like a super simple thing to do; however, we all live in the real world where things almost never go as planned.

Be sure, no matter what, to make your payments on time because it is super important and is one of the largest factors in your credit score.

No matter what, avoid late payments.

Keep Credit Utilization Low

Another factor to consider is credit utilization, you really want to keep this under 3% of total credit if you can but try to never get it over 15%.

👉 For example: If your Surge credit card has a $300 limit try to not spend over $45.
Spending $60 on a $300 card limit means that you are utilizing around 20% of your credit on that card. That is above the recommended credit utilization percentage, so be mindful of how much you spend.

How To Cancel Your Surge Credit Card?

Cancel By Phone:  You can call 1-866-449-4514 to cancel your Surge Card at any time.

Is There A Fee For Closing My Account?

Outside of the fees associated with your remaining balance, there is no fee for closing your account. 

I would recommend keeping the card active as long as you can, there really isn’t a reason to cancel the card any time soon.

Taking Action On Your Credit

Hopefully, you found this Surge credit card review helpful because there are several secured card options available; however, only a few of them are as good. 

There’s no better time than now to get your new account set up so that you can begin the process to either repair or rebuild your credit.

Start building your credit today with a Surge Mastercard® credit card!

Get the security and convenience of a full-feature, unsecured Mastercard.

Apply Now →

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements, or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved, or otherwise endorsed by any of these entities prior to publication.