Surge Card Credit Cards

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Surge® Platinum Mastercard®

3.48 out of 5 rating1,246 Reviews

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3.48 out of 5 rating1,246 Reviews

1.8WalletHub Rating

WalletHub Rating

1.8

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

2.0

User Reviews

3.4

Market Comparison

1.6

fees: 1.5

rewards: 0.0

cost: 0.8

Other Features: 4.7

One-Time Fees

Regular APR35.90% (Fixed)

One-Time Fees

Regular APR

35.90% (Fixed)

annual fee

$75 - $125

monthly fee

$0 1st yr, $12.50 after

minimum credit

Bad

WalletHub's Take: The Surge® Platinum Mastercard® is a legit credit card for people with bad credit, issued by Celtic Bank. It reports to the three major credit bureaus each month, which gives you the opportunity to build credit by paying the bills on time and using only a portion of your credit limit. It also has the potential for a fairly high credit limit.

Pros

Qualify with bad credit
Does not require security deposit

Cons

High membership fees
High regular APR
Foreign fee

Additional Info

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.

Pros, Cons, & Details

Compare

Surge Card Credit Card Reviews

3.4

What's Your Rating?

Atlantian Herm
January 17, 2026 • @Atlantis6666

Terrible credit card! Do not get this card; it's a scam! They won't allow me to log into my online account to make payments and said I can only make payments by calling them. They are hoping that I forget to call and make the payment on time or get lazy and not feel like calling them so they can hit me with a $45 late fee.

Product: Surge Card Credit Cards

Comment

Kyle Portwood
October 28, 2025 • @kyleportwood79

I have had this card for a few years. Listen to everybody here when they tell you not to get this card. I've never felt so cheated by a card in my entire life, and I'm 61 years old.

Product: Surge® Platinum Mastercard®

Comment

tammyinva72
October 6, 2025 • @tammyinva72

High fees imposed irregularly without notice. Impossible to reach Customer Service who are rude. High interest. Predatory practices to avoid. Do not apply for this card

Product: Surge® Platinum Mastercard®

Comment

mike martin
September 18, 2025 • @mig088

Terrible, scam. I try to log in and I cannot, no matter what computer I use. But when I want to apply for a credit card, it goes right through. I cannot make a payment or change my address. I will use the card until I use all my credit, then cancel and not pay.

Product: Surge® Platinum Mastercard®

Comment

Vanessa
June 12, 2025 • @MidwestCredit

I have had this card for over a year and pay it off monthly. Now, I can't use it even with a paid-off balance. Why? They can't verify my bank that I use every month? So, we did a conference call with the bank for verification. And then, the next month, I couldn't use it again. Also, the $15 per month maintenance fee plus the annual fee is unreasonable. Beware, if you pay your card off every month, they will make your life very difficult. We need to all complain to the Consumer Protection Bureau. I closed my account and disposed of this unacceptable card.

Product: Surge® Platinum Mastercard®

Comment

Mike George
May 17, 2025 • @brutallyhonest

This company is probably the worst regarding customer service that I've ever seen or dealt with. They do not correct their errors and they leave you hanging. When you pay your bill, you go to use your card and you find there's no available credit because they don't know what they're doing. They've moved to the back of the line as far as getting paid, as far as I'm concerned. Seriously, any other credit card would be better. They show you their network on one page of cards that you should not use because they're with the same company and I admit I was foolish for even going along with it, but I needed a card at the time. However, if you can't charge anything on it because nobody credits your account, it's not much good to you.

Product: Surge® Platinum Mastercard®

Comment

savetapopovich
March 14, 2025 • @savetapopovich

Avoid at all costs. I got this credit card and felt cheated as they are constantly changing terms and conditions. Their customer service representatives sound like machines talking and are not able to help at all. I paid it off, canceled it, and will cancel two more credit cards that I have with them and never go back. If you do decide to get this credit card, watch out every month for the fees. Good luck.

Product: Surge® Platinum Mastercard®

Comment

Shirley Mellars
February 25, 2025 • @mellars1968

Verified Customer

I've been with them for some time now and they treat me just fine. I have no reason to badger them. All I can say is keep watch of your card and talk to them if something isn't right. If you're unhappy, closing the card won't hurt your credit that badly. I am happy, though. I hope to keep them for a long time, until I can get 0% interest cards.

Product: Surge® Platinum Mastercard®

Comment

RAY COLON
January 11, 2025 • @rc33950

They charge a $125 annual membership fee with a $10 monthly maintenance fee, even if you have a $0 balance. On top of that, you will be charged one of the highest interest rates in the market. Unless you like throwing money away, you might want to look elsewhere.

Product: Surge® Platinum Mastercard®

Comment

Pauline Brown-Shockness
December 23, 2024 • @shocknessrealty

Surge credit card is excellent, especially their Credit Protection program. The agents I spoke with today—supervisor Daniel and customer service agents Kathleen and Ashley—were awesome. They saved the day for me. I have never had an issue with them since I joined in 2022!

Product: Surge® Platinum Mastercard®

Comment

Review Surge Card Credit Cards

Surge Card Credit Card Q&A

Get answers to your questions about Surge Card Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Upvotes

How do I log in to my Surge Credit Card account?

Lisa Cahill, Credit Cards Moderator

You can log in to your Surge® Platinum Mastercard® account by going to the login page on the Continental Finance website or mobile app and entering your Username and password in the appropriate fields. Then, click “LOG IN” to access your online account.

How to Log In to a Surge Credit Card Account

Go to the Surge Credit Card login page.
Fill out the “Username” and “password" fields with your credentials.
Click “LOG IN” to access your account.

After you have logged in, you'll be able to manage your Surge Credit Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.

In case you forget your login information, you can click “Forgot username or password?” on the Continental Finance login page and follow the prompts to reset or retrieve your username or password.

Upvotes

Does the Surge Credit Card have pre-approval?

Chip Lupo, Credit Card Writer

Yes, the Surge® Platinum Mastercard® does have pre-approval. Surge Card requires applicants to check for pre-approval before they can apply, so you will have a good idea of your approval odds if you choose to apply. Getting pre-approved for a Surge Credit Card means that your chances of being approved for an account are very high if you apply, but it does not mean that approval is guaranteed.

Surge Credit Card pre-approval does not affect your credit score, as it's...

Upvotes

How can I pay my Surge Credit Card?

Maria Adams, Credit Cards Moderator

You can make a Surge® Platinum Mastercard® payment online, by phone, through the CFC mobile app or by mail. To pay a Surge Credit Card bill online, log in to your online account and click on "Pay my Bills." Then, choose how much to pay, when to pay it, and where the payment is coming from. Surge does allow cardholders to set up automatic payments, too.

Ways to Make a Surge Credit Card Payment

Online. Log in to your online account...

View more answers

Upvotes

How do I apply for the Surge Credit Card?

Adam McCann, Financial Writer

The easiest way to apply for the Surge Credit Card is online, and you can get to the online application by clicking the "Apply Now" button on WalletHub or by going directly to Surge's website. Alternatively, you can apply by phone.

Keep in mind that the Surge Credit Card is available to people with bad credit or better, which means it's easy to get approved. Also note that applying for the card triggers a hard inquiry, which may temporarily...

Upvotes

How do I check my Surge Credit Card application status?

Maria Adams, Credit Cards Moderator

You can check your Surge Credit Card application status by calling 1 (866) 449-4514. When you call, you'll need to provide the required information so that Celtic Bank can match you to your application. Celtic Bank does not allow you to check your application status online.

How to Check Your Surge Credit Card Application Status

Call 1 (866) 449-4514.
Follow the automated prompts that lead to an application status check or connect with a representative and tell them you'd...

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