Surge Mastercard

For People with
Bad Credit



The Surge Mastercard is issued from Celtic Bank and is made for limited or bad credit. When you use this card, your payment activity will be reported monthly to the three major credit bureaus to help you build credit. If you have less than perfect credit, you may want to apply for this card but beware the possible sky-high interest rate, monthly fees, and lack of any valuable card benefits.

Your Surge credit card comes with an initial credit limit of $500. There may also be an annual fee and a separate monthly maintenance fee after the first year.

This card has an easy application process and you’ll know if you’re accepted within seconds. When you apply, you’ll be considered for an unsecured card, but if you have a poor credit history you may be approved for a secured card with a refundable security deposit between $50-$500.

If you don’t like the terms and fees when your application is accepted, you can reject this card if you’ve yet to use it or pay any fees by calling the customer service number provided with your card.

Card Quick Facts

Card Quick Facts

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard is accepted
  • Free online account access 24/7
  • Checking Account Required

For People with
Bad Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



This card does not offer rewards.
Card Stats

Card Stats

Annual Fee See Terms*
Additional Cards Annual Fee -
Regular Purchase APR See Terms*
Intro Purchase APR See Terms* for N/A
Foreign Transaction Fee See Terms*
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit $500
Free Credit Score No
Penalty APR See Terms*
Late Fee See Terms*
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR See Terms* for N/A
Regular Balance Transfer APR See Terms*
Balance Transfer Fee N/A
Cash Advances

Cash Advances

Cash Advance APR See Terms*
Cash Advance Fee See Terms*

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Zero Fraud Liability

    You won’t be held responsible for unauthorized account activity (contact customer support immediately if you suspect fraud).

  • Price Protection

    If the item you bought with your Mastercard card appears in a print advertisement at a lower price, you may be able to be reimbursed for the difference.

  • Auto Rental Insurance

    Must decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most rental cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 2 reviews
by Floyd Smith

I ordered a new card and called to have it activated only to be told I needed to send in something with my name and address on it. After doing so, I'm told it takes 72 hours to check faxes and emails.What company takes that long to check anything. I have never been late, haven't used my card in months, and when I need to use it, I can't CRAPPY COMPANY!!!Customer service is very polite, but that does no good when you need to use your card does it?

by KH
You can do better

Very high yearly fee on top of a sky high interest rate... I recommend going elsewhere.Customer service was very polite when I called and immediately closed the card before even activating it, though it took two calls to get them to drop the 'yearly fee' like they said they would.

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