Surge^® Platinum Mastercard^® Review

Last Updated on July 27, 2026

Offer Rating

2.5/ 5

By Our Content Team

2.5

CompareCredit Score

on Celtic Bank's secure site

Build Your CreditBoost your credit score with responsible use
No Security Deposit RequiredA true credit card with no need to put down a security deposit
Mastercard BenefitsUse your card everywhere that Mastercard is accepted
Annual Fee$75 - $125
Credit Score NeededSee website for Details*
Card Brand

Product Details

Select to apply online
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)
Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.

Select to apply online
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)
Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.

Our Expert Review

Editorial Disclosure

Why We Like It

Editorial Disclosure

Offer Rating

2.5/ 5

By Our Content Team

Key Benefit

See if you’re pre-qualified with no impact to your credit score – all credit types welcome!

The Surge^® Platinum Mastercard^® is a solid option for consumers looking to re-build their credit and who don't want to put down a deposit for a secured credit card. This card requires no security deposit and cardholders can receive an initial credit line of up to $1,000. The Surge^® Platinum Mastercard^® is a real credit card, not a pre-paid card, which means that it reports to the three major credit bureaus and can help you build your credit over time with responsible use.

One of the great things about this offer is that you can see if you're pre-qualified without initiating a hard inquiry on your credit report – this can be a valuable perk for consumers who are trying to re-build their credit. As a cardholder, you can also enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines).

Pros & Cons

Pros

Easy online pre-qualification
No security deposit required for approval

Cons

No rewards program with this credit card
Annual fee of $75 - $125, determined after you apply and get accepted
Monthly maintenance fee for cardholders with a $300 or $500 credit limit: $0 introductory fee for the first year, then $150 thereafter (billed $12.50 per month)