Surge Mastercard® Application
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Card
Network

Mastercard®
Bank

Celtic Bank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Unsecured
Credit
Recommended

Fair/Bad
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

See if you’re Pre-Qualified without impacting your credit score

CARD DETAILS

  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required
+ Pros
  • All credit types welcome to apply.
  • Initial Credit Limit of $500.*
  • Monthly reporting to the major credit bureaus.
- Cons
  • High interest rate and fees.

PURCHASES

Intro
APR

N/A
Ongoing
APR

29.99%
Penalty
APR

See Terms*
Minimum Grace
Period

See Terms*
Minimum Interest
Charge

See Terms*

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

N/A
Balance Transfer
Fee

N/A
Penalty
APR

N/A
Minimum Grace
Period

N/A

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

29.99%
Cash Advance
Fee

Either $5.00 or 5% of the amount of each cash advance, whichever is greater.
Penalty
APR

See Terms*
Minimum Grace
Period

See Terms*

GENERAL FEES

Application Processing
Fee

See Terms*
Annual
Fee

$125.00 for the first year, after that $96.00 annually
Foreign Transaction
Fee

3% of each transaction in U.S. dollars.
Late Payment
Fee

Up to $39.00
Surge Mastercard® Application
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