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Surge Credit Card Review: A Way To Get Back on Track

Our Surge Credit Card review explores if it's the right tool for rebuilding credit and getting back on track with a positive credit history.

Written by:S.J. Jones
Updated:October 20, 2025

With its unique features and benefits, the Surge Credit Card can be a gateway to better credit and improved financial health, but expect to pay some hefty fees.

Surge® Platinum Mastercard®

Annual Fee

$75 – $125 intro first year, then $99 – $125

Key Features

Up to $1,000 Initial Credit Limit
See if you Pre-Qualify with No Impact to your Credit Score
Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
Unsecured credit card requires No Security Deposit
Perfect card for everyday purchases and unexpected expenses
Monthly reporting to the three major credit bureaus
Use your card everywhere Mastercard is accepted at millions of locations
Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

Surge® Platinum Mastercard® Review

The Surge® Platinum Mastercard®, issued by Celtic Bank and serviced by Continental Finance is designed specifically for individuals who are looking to build or rebuild their credit. Typically, this equates to a FICO score of 629 or lower.

Unlike traditional credit cards that require a high credit score for approval, the Surge Credit Card caters to individuals with limited or less-than-perfect credit history.

This means that even if you have had financial setbacks in the past, you still have a chance to build a positive credit history with this powerful tool.

A potential credit limit increase

Customers can benefit from the Surge® Platinum Mastercard® credit limit increase program by up to $2,000 by making on-time payments of at least the minimum required amount for your first six months.

This increase in credit limit not only gives you more purchasing power but also helps lower your credit utilization ratio, which is an important factor in calculating your credit score.

How the Surge Credit Card can help you build credit

The Surge® Platinum Mastercard® reports your payment history to the major credit bureaus, allowing you to establish a track record of responsible credit card usage.

By making timely payments and keeping your balances low, you can gradually improve your credit score over time.

This card provides a valuable opportunity to demonstrate your creditworthiness and prove that you are capable of managing your finances responsibly.

Plus, if you enroll in electronic statements, you can get your VantageScore 3.0 on your monthly statement to help you track your credit-buliding progress.

Prequalify and no security deposit is required

You can prequalify online with no impact on your credit score and begin the application process within minutes. You also don’t need to provide a security deposit because it’s an unsecured credit-building card.

Surge® Platinum Mastercard® Pros and Cons

Pros

Starting limit ranges from $300 to $1,000
You don’t need a perfect credit history
No security deposit required
Reports to all three credit bureaus
You may qualify for twice your credit limit after six months of timely payments

Cons

Final takeaway

The Surge® Platinum Mastercard® has a high annual fee and significant maintenance fees but it provides a valuable opportunity to demonstrate your creditworthiness and prove that you are capable of managing your finances responsibly.