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 - $125
- Purchase Intro APR:None
- Regular APR:35.90% Fixed
- Balance Transfer APR:None
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Rate and fee information
- Purchase Intro APR
- None
- Purchase APR
- 35.90% Fixed
- Intro Balance Transfer APR
- None
- Balance Transfers APR
- None
- APR for Cash Advances
- 35.90% Fixed
- 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 - $125
- Fees for Cash Advances
- Credit Limit of $300 or $500: $0 introductory fee for the first year, then either $10 or 3% of the amount of each Cash Advance, whichever is greater. Credit Limit of $750 or $1,000: Either $10 or 3% of the amount of each Cash Advance, whichever is greater from the date your Account is opened
- Return Payment
- Up to $41
- Late Payment
- Up to $41
Pros & Cons
- Monthly Credit Reporting
- Free Monthly Credit Score
- 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
- $75.00 for the 1st year, $48.00 afterAnnual Fee
- 35.99%Regular APR
- 1%Cash Back on all purchases.
- NonePurchase Intro APR
- $48Annual Fee
- 9.99%Regular APR
- This card doesn't offer cash back, miles or points.
- NonePurchase Intro APR
- *see terms*Annual Fee
- 35.9%Regular APR
- This card doesn't offer cash back, miles or points.
- NonePurchase Intro APR
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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.
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.
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 - $125. Credit Limit of $300: $75 introductory fee for the first year, then $99 thereafter Credit Limit of $500, $750, or $1,000: $125 annually. |
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. |
Prequalification Without a Hard Check. TheSurge® Platinum Mastercard® allows for prequalification without performing hard inquiry that affect your credit score. | Foreign Transaction Fee. Credit Limit of $300 or $500: $0 introductory fee for the first year, then 3% of each transaction in U.S. dollars. Credit Limit of $750 or $1,000: 3% of each transaction in U.S. dollars from the date your Account is opened. |
| Monthly Maintenance Fee. Credit Limit of $300 or $500: $0 introductory fee for the first year, then $150 thereafter (billed $12.50 per month). | |
| High APR. The Surge® Platinum Mastercard® Credit Card has a high APR of 35.90% Fixed. |
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:
*State exclusions: Colorado (CO), Washington State (WA), West Virginia (WV), Minnesota (MN).
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.
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?
- $75.00 for the 1st year, $48.00 afterAnnual Fee
- 35.99%Regular APR
- 1%Earn 1% cash back rewards on payments made to your First Access Credit Card.
- NonePurchase Intro APR