Surge® Platinum Secured Mastercard® from Celtic Bank Credit Card Review
Surge® Platinum Secured Mastercard® from Celtic Bank — all information about the credit card.
Updated November 20, 2023
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The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
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Reflex® Platinum Mastercard®
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$75 - $125
Annual Fee
35.90%
Regular APR
This card doesn't offer cash back, miles or points.
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Celtic Bank Surge® Platinum Secured Mastercard® Rewards Calculator
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All benefits
- Cash back
- 1% For each $1 spent using your Surge Mastercard.
Rate and fee information
- Purchase Intro APR
- None
- Purchase APR
- 19.99% Variable
- Intro Balance Transfer APR
- None
- Balance Transfers APR
- None
- APR for Cash Advances
- 19.99% 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
- $69 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
Pros:
- Cash Back rewards
- Free automatic account reviews for credit limit increases
Cons:
- Annual Fee
- Foreign Transaction Fee
- No welcome bonus
- No Intro APR offer
Features
- Cashback
- Payment Flexibility
- Fraud Protection
- Rewards
- Free Credit Score
- Purchase Protection
- Poor Credit
About the issuer
Celtic Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
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Merrick Bank Secured Credit Card
Recommended credit score
No Credit History to Poor (0-579)
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- 22.95%Regular APR
- This card doesn't offer cash back, miles or points.
- NonePurchase Intro APR
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Destiny® Mastercard®
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- NonePurchase Intro APR
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First Access Visa® Card
Recommended credit score
No Credit History to Fair (0-669)
- $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
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On the First Access Visa® Card secure website
See Another Credit Cards in the Bank
Celtic Bank Surge® Platinum Secured Mastercard® is an option for those, who need Platinum features. With an APR of 19.99% and $69 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have No Credit History to Poor (0-579) credit score. With Celtic Bank Surge® Platinum Secured Mastercard® you will get such features as Cashback, Payment Flexibility, Fraud Protection, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.
Best for Single mom, Without SSN
Capital One Platinum Secured Credit Card
Recommended credit score
No Credit History to Poor (0-579)
- NoneAnnual Fee
- 29.99%Regular APR
- This card doesn't offer cash back, miles or points.
- NonePurchase Intro APR
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