Surge Secured Mastercard - Find Me a Card

Surge Secured Mastercard

A secured card offering 1% cash back on all purchases, with a $69 annual fee, for people with bad credit scores or no credit history.

Your total savings: $555 over the next 5 years

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Credit Score Required:
Bad (<580)
Issuer:
Celtic Bank
Network:
Mastercard

Rewards & Perks

Reward Highlights

  • 1% cash back on all purchases.

Other Rewards & Perks

  • Potential credit limit increase: You may be eligible for a credit limit increase after six months of required monthly minimum payments, subject to income and underwriting criteria at the time of review.
  • Free access to your credit score (Vantage 3.0 Score from TransUnion, assuming you sign up for e-statements.)
  • Fraud protection.
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Rates & Fees

Summary of Rates & Fees

  • APR on purchases: 19.99%.
  • Annual fee: $69.
  • Foreign transaction fee: 3%.

Annual Fee: $69

Interest Rate (“Purchase APR”): 19.99%

Cash Advance Fee: 5%

Cash Advance APR: 19.99%

Cash Advance Notes

  • Cash advance fees are not billed for the first 12 months your account is open.

Foreign Transaction Fee: 3%

Fee per Additional Cardholder: $30

User Ratings & Reviews

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Other Info

Official Card Description (from card issuer)

  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash Back rewards on every purchase
  • Free access to your Vantage 3.0 Score from Experian* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard is accepted
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required

Date Last Updated: 2021-10-27


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