Surge MasterCard®

  • 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
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Poor Credit, Limited Credit Personal See Terms* N/A N/A See Terms* None


Quick Summary:
This MasterCard offer is issued by Celtic Bank. This card is intended for consumers, or "personal use" with poor or limited credit histories. The issuer may expect recent or past flaws in your credit report. See the terms and conditions for the purchase APR rate.

Important Rates:
Please see the card issuer's terms and conditions regarding annual percentage rates. Please see the application disclosures regarding the annual fee.

Rewards:
This is not a rewards card. It is normal for cards for fair and poor credit histories to not offer rewards.

Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect applicants with troublesome credit histories. A FICO credit score range of 490-605 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Celtic Bank product.

Other Basics:
The grace period listed for the Surge MasterCard® is at least 25 days*. So interest charges will not be applied for new purchases during this time. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This card contains the brand of MasterCard, where acceptance is global. Most businesses that accept credit cards will accept MasterCard as a form of payment.

Our Editor's Commentary:
The Surge MasterCard® is the right solution for applicants with no credit or poor credit. With three bureau reporting, a decent initial credit limit, and 24/7 online access, this offer can help anybody establish or rebuild credit.

The annual fee and APR is higher than average, but most agree that the benefits far outweigh any drawbacks.

Approval Rate:
There was 1 person that reported the application status to us after applying. The applicant was approved. Helpful qualification information, including credit scores, rates, household income and more was reported.

The approval rate for this card is average. Furthermore, if your FICO score is close to or higher than 490 to 605, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 100% of 1 user recommend this card.

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