CardCompareHub

Surge® Platinum Mastercard®

Mastercard 0% Intro APR

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Surge® Platinum Mastercard®

Credit Score

See website for Details*

Apply Now On Celtic Bank's secure website Terms apply. Approval is not guaranteed.

Annual Fee

$75 - $125

Foreign Fee

3% of each transaction in U.S. dollars

Purchase APR

See website for Details*

Balance Transfer APR

See website for Details*

Regular APR

35.90% Fixed

Rates & fees apply. View the Rates & Fees.

Editor's Take

CardCompareHub editorial

Editorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by Celtic Bank.

Surge Platinum is the sibling of Reflex in the Continental Finance family: meaningful initial credit limit, a high fixed APR, a tiered annual fee, a foreign transaction fee, no rewards, no security deposit.

Same product economics as Reflex with different branding. The choice between Surge and Reflex typically comes down to which marketing offer reaches you first or which one approves you. As a credit-building tool, both work; both have all-in first-year costs that exceed the no-fee secured alternatives. If you can put down a deposit, the Capital One Platinum Secured saves money over a year.

Card Details

  • 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.
Also in: Top Credit Cards 2026 Low Interest Mastercard

Surge® Platinum Mastercard®

Ready to apply? Visit the issuer's secure site.

Apply Now On Celtic Bank's secure website Terms apply. Approval is not guaranteed.

Rates & fees apply. See issuer's website for full terms and conditions.