Surge® Platinum Mastercard® Credit Card Review
Surge® Platinum Mastercard® from Celtic Bank — all information about the credit card.
Good Choose for Walmart purchases
- Rewards Rate:
- This card doesn't offer cash back, miles or points.
- Intro Offer:
- No current offer.
- Annual Fee:$75 - $99 annually
$99 annually - Purchase Intro APR:None
- Regular APR:24.99% - 29.99% Variable
- Balance Transfer APR:None
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Rate and fee information
- Purchase Intro APR
- None
- Purchase APR
- 24.99% - 29.99% Variable
- Intro Balance Transfer APR
- None
- Balance Transfers APR
- None
- APR for Cash Advances
- 24.99% - 29.99% Variable
- How to Avoid Paying Interest
- Your Payment Due Date is at least 25 days after the close of each Billing Cycle. You will not be charged any interest on purchases if you pay your entire Account balance by the Payment Due Date each month. You will be charged interest on cash advances on the transaction date.
Fees
- Annual Fee
- $75 - $99 annually
$99 annually
- $75 - $99 annually
- Fees for Cash Advances
- Either $5.00 or 5% of the amount of each cash advance, whichever is greater
- Return Payment
- Up to $40
- Late Payment
- Up to $40
Pros & Cons
- Monthly Credit Reporting
- Free Monthly Credit Score
- Potential Credit Limit Increase After 6 Months
- Prequalification Without a Hard Check
- High Annual Fee
- Relatively Low Credit Limit
- Foreign Transaction Fee
- Monthly Maintenance Fee After the 1st year
- High APR
Features
- Payment Flexibility
- Fraud Protection
- Free Credit Score
- Purchase Protection
- Poor Credit
About the issuer
Compare with other cards
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- NonePurchase Intro APR
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- 17.74% - 31.74%Regular APR
- 1% - 1.5%:Cash Back after making 12 on-time monthly payments.
- NonePurchase Intro APR
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- This card doesn't offer cash back, miles or points.
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Surge® Platinum Mastercard® Credit Card Review
This article reviews the Surge® Platinum Mastercard® Credit Card, which provides cardholders with an initial credit limit of $300- $1000 for the first 6 months.
Read on to understand the various benefits, rates, and rewards offered by the card!
The Surge® Platinum Mastercard® Credit Card is a handy option for people looking to build or improve their credit. With the Surge® Platinum Mastercard®, you are a step closer to a higher credit score.
If you have a less-than-perfect credit score, the card will help you improve that in a few months. It reports to three credit bureaus: Experian, Transunion, and Equifax. Offered by the Continental Finance Company, this card has an annual fee, no intro purchase APR and does not allow balance transfers.
Surge® Platinum Mastercard® Pros and Cons
| Pros | Cons |
|---|---|
| Monthly Credit Reporting. All payments are reported monthly to the 3 major credit card bureaus: Transunion, Equifax, and Experian. Making your payments on time gradually improves your credit score. | High Annual Fee. This credit card charges an annual fee of between $75 - $99. |
Free Monthly Credit Score. This credit card gives you free access to your monthly Vantage 3.0 credit score from TransUnion. The monthly report lets you know of the progress you are making towards a better credit score. | Relatively Low Credit Limit. For many cardholders, the $300- $1000 credit limit is relatively low. |
Potential Credit Limit Increase After 6 Months. With the Surge® Platinum Mastercard® credit card, you are eligible for a potential credit limit increase after just 6 months. This gives you more spending power and, subsequently, a lower credit utilization ratio. | Foreign Transaction Fee. All foreign transactions attract a fee of 3%. |
| Prequalification Without a Hard Check. TheSurge® Platinum Mastercard® allows for prequalification without performing hard inquiry that affect your credit score. | Monthly Maintenance Fee After the 1st year. After the first year, the Surge® Platinum Mastercard® bills a monthly fee at the start of every billing cycle. The monthly maintenance fee varies from $0 to $10. |
| High APR. The Surge® Platinum Mastercard® Credit Card has a high APR ranging from 25.90% to 29.99%. |
Surge® Platinum Mastercard® Reward System in a Nutshell
The Surge® Platinum Mastercard® doesn’t offer any rewards, which is quite standard for this type of card.
Who Can Benefit From the Surge MasterCard® Credit Card?
This card is a good option for first-timers or people looking to repair their damaged credit score. With responsible use, cardholders with low credit scores can hugely benefit from this card.
Other Benefits of the Surge® Platinum Mastercard® Credit Card
Despite the low credit limit, the Surge® Platinum Mastercard® Credit Card comes with some benefits. They include:
Conclusion
This credit card is a handy option if you are looking to repair or build your credit score. The monthly reporting to the major credit bureaus is what you want if your credit score is in tatters. Despite the relatively low credit limit, you can easily gain a lot within a short period, provided you make payments in time.
The building process is, however, very expensive due to the massive rates and fees. The annual fee, maintenance fee and high APR make card usage very expensive. Before securing this card, we would advise to shop around for cheaper options.
FAQ
What is the customer service phone number for Surge® Platinum Mastercard® Credit Card?
How to check my application status for Surge® Platinum Mastercard® Credit Card?
- $164Annual Fee
- 35.99%Regular APR
- This card doesn't offer cash back, miles or points.
- NonePurchase Intro APR