Surge Credit Card Review (How to Apply, Check Status + 5 Alternatives)

Surge Credit Card Review (How to Apply, Check Status + 5 Alternatives)

credit card advice

Brittney Mayer
By: Brittney Mayer
Posted: November 8, 2016
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

Some things in life are absolute; that carton of milk is either good, or it’s really bad. Other things are less binary — like your credit. The FICO credit score can range anywhere from 300 to 850, and everyone seems to have a different definition of “bad credit.”

In general, though, if you have bad credit you tend to know it — particularly when applications for financing get rejected. Being turned down for credit can be a blow, but there are options for obtaining credit and rebuilding your score.

One such option is the Surge MasterCard® credit card.  Issued by Celtic Bank and backed by Continental Finance, the Surge card is an unsecured card available to consumers with bad credit.

Review | Application | Check Status | How to Use | More Options (5)

Our Surge Credit Card Review: 3.5/5.0

For most people, the best thing about the Surge card is that it will report to all three major credit bureaus. This means that you can use the Surge card to improve damaged credit, provided you maintain your card in good standing.

The Surge card is also unsecured, meaning you won’t need to put down a deposit or pre-load the card to use it. Those at the very low end of the FICO score spectrum who have trouble getting approved for other unsecured cards may have better luck with a Surge card.

Additionally, the credit line should be manageable for most people; the maximum spending limit on the card is $500, and what portion of that maximum you are approved for will depend on your credit score.

Surge MasterCard® Review

at Celtic Bank'ssecure website

BEST OVERALL RATING

★★★★

3.7

OVERALL RATING

3.7/5.0
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
29.99%
$125 for the first year
Bad, Poor Credit

You’ll want to be sure to completely pay off your Surge card every month. This is good advice for any credit card, but it’s especially important when you consider the high 29.99% variable APR that comes with the Surge card.

You can also expect to see a $125 annual fee show up shortly after you open the card. While the annual fee drops to $96 after the first year, you’ll start to see an additional $10 monthly maintenance fee after the first 12 months.

How to Apply for the Surge MasterCard®

Applying for the Surge credit card is quick and easy, and can be completed entirely online through the link below.

If you can’t apply online for any reason, you can call the Surge Customer Service team at: 1-866-449-4514. Customer Care Specialists are available Monday through Friday, from 7 a.m. to 10 p.m., and Saturday from 9 a.m. to 1 p.m.

How to Check the Status of Your Application

When applying for a Surge credit card online, most users can expect a decision almost immediately. If you have an issue with your application, or need to check the status of it for some reason, you can call customer service at:

1-866-449-4514

To check the status of your account at any time, you can use the Continental Finance sign-in portal. The portal is also where you can make online payments on your account as well as choose to receive electronic statements.

How to Use the Surge Credit Card

To get the most out of your Surge card, you should use it to make a small purchase during the month, then pay your balance in full when your statement arrives. Over time, as you make on-time payments and never miss payments, your credit report should start to reflect your good financial behavior.

Never carry a balance on your Surge card. The nearly 30% APR on the card means carrying a balance will be very expensive, and should always be avoided. Use your Surge credit card solely to improve your poor credit, not as a way to make purchases you cannot pay off right away.

5 Additional Card Options for Bad Credit

If it turns out the Surge card is not for you, or you just want to see other options, check out our picks for the top five credit cards for bad credit. Comparison shopping is the best way to ensure you get the best rates — and the lowest fees — for which you can qualify.

  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It’s a credit card accepted at millions of locations worldwide
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Limited, Bad Credit
Total Visa® Card Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★

4.3

OVERALL RATING

3.5/5.0
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Terms
See Terms
Fair, Bad Credit
Milestone® MasterCard® - Bad Credit Considered Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★

4.3

OVERALL RATING

3.9/5.0
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
23.9%
$35 - $99
Bad, Poor Credit
Surge MasterCard® Review

at Celtic Bank'ssecure website

BAD CREDIT RATING

★★★★

4.2

OVERALL RATING

3.7/5.0
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
29.99%
$125 for the first year
Bad, Poor Credit
Emporium Card Review

at the issuer'ssecure website

BAD CREDIT RATING

★★★★

4.1

OVERALL RATING

3.5/5.0
  • Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
  • Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
  • Up To 12 Months Same As Cash
  • 50% Early Payoff Discount
  • No Hidden Fees
  • Return at any Time
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See website for Details
N/A
Poor, Fair, Limited, or Damaged Credit

+See All Credit Card Reviews for Bad Credit

Improving Your Credit is a Journey

When your milk goes sour, your breakfast options often sour with it; few people really enjoy dry cereal. The same thing can be said of your credit; when your score sours, so too do your credit options. That said, there are options, including the Surge MasterCard®, which can be used to build your credit and improve your score.

Just remember that rebuilding your credit is a journey; it can’t be accomplished overnight. It takes months, or even years, of dedicated work to rebuild a bad credit score — but it is possible. Be diligent, and your score will grow.