Surge MasterCard Credit Card

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The extra fees with this card can easily drag you deeper into debt.

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The Surge MasterCard Credit Card is another in a line of cards for people who have few other unsecured choices. We understand you don’t want to have to make a deposit — a requirement of secured credit cards — but you’ll face hundreds of dollars in unnecessary fees if you choose this credit card.


The Surge MasterCard Credit Card is an unsecured card, but the issuer, Celtic Bank, says you may be approved for a secured card with a $50, $150 or $500 security deposit if your credit history doesn’t warrant a standard credit card.

If you don’t think your credit is good enough for an unsecured card, look elsewhere. There are better options that don’t come with huge fees attached. If you think your credit is good enough for a secured card, look elsewhere. There are better options that don’t come with huge fees attached.

What fees, you say?

You’ll pay a $125 annual fee the first year, then $96 thereafter. Beginning in the second year, you’ll pay a $10 monthly maintenance fee as well.

And, your APR is a variable 29.99%. That’s high.

All of this to earn an initial credit limit of $500.

Take a pass if you can.

Who should get this card

If you have little credit history or what you have is poor, you might consider the Surge MasterCard Credit Card if you’re confident you can use it responsibly. If you don’t mind paying a lot of fees and you’re only going to use it to buy something small for credit-building purposes, this card can help you improve your credit score over time.

  • You'll learn whether you qualify immediately.
  • This card reports monthly to the three major credit bureaus, so with on-time payments you could improve your credit and move on to a better card.
  • The annual and monthly fees are extremely high.
  • The cost to finance a balance is extraordinarily high.
  • You may be offered a secured credit card if your credit isn't good enough for an unsecured card.

Fees and APR

  • This card has a variable APR of 29.99%.
  • The annual fee is $125 the first year, after that it’s $96.
  • You’ll also pay an annual maintenance fee of $120 billed at $10 a month. This fee is waived the first year.
  • You’ll pay a 3% foreign transaction fee on all purchases made outside the U.S.
  • Late payments won’t affect your APR but there is a late payment fee of $38.

Extras and perks

There are no extras or perks with this card.

How this card compares

Discover it® Secured Card
Card Details
  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line.
  • You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • New! Receive Free Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
Credit Needed No Credit
Regular APR 23.99% Variable
Annual Fee $0
Purchase Intro APR N/A
Balance Transfers Intro APR 10.99% for 6 months

If you have a bank account but limited or poor credit history, the no-fee Discover it Secured Card is a terrific choice to help build your credit and earn cash-back rewards, too.

We also like that you can quickly graduate to an unsecured Discover card with just eight months of good payment behavior.

Indigo® Platinum Mastercard®
Card Details
  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
Credit Needed Poor
Regular APR 23.90%
Annual Fee $0 - $99
Purchase Intro APR N/A
Balance Transfers Intro APR N/A

The Indigo Platinum MasterCard doesn’t charge an annual fee but it may have some “set-up and maintenance fees” that are disclosed after you apply for the card. There’s a penalty APR of 29.9% that will apply indefinitely after one missed payment.

Total VISA® Unsecured Credit Card
Card Details
  • 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
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
Credit Needed No Credit
Regular APR See Terms*
Annual Fee See Terms*
Purchase Intro APR N/A
Balance Transfers Intro APR N/A

The Total VISA Unsecured Credit Card is another card that tacks on the processing fees, servicing fees and sticks it to you with a high APR of 29.99%. Notably, there’s no foreign transaction fees with this card, so this may make it a better choice for some.

Credit One Bank® Platinum Card
Card Details
  • Credit One Bank automatically monitors every account for credit line increase opportunities each month. We'll let you know as soon as you're eligible for a higher credit line. A fee may apply.
  • See if you Pre-Qualify without harming your credit score. Find the card that's right for you in less than 60 seconds.
  • Eligible purchases will automatically get you 1% cash back, terms apply.
  • This is a fully functional, unsecured credit card—not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Enjoy peace of mind with $0 Fraud Liability
  • Email and text alerts remind you when your bill is due, your payment posts, or your available credit is running low
Credit Needed No Credit
Regular APR 16.99% - 24.99% Variable
Annual Fee $0 - $99
Purchase Intro APR N/A
Balance Transfers Intro APR N/A

The Credit One Bank Platinum Card pays 1% cash back on eligible purchases, but it’s not always easy to figure out what eligible means. This card also piles on the extra charges for things like requesting a higher limit and expedited payments.

A major drawback of the Credit One Bank Platinum Card is that you won’t know the exact terms of your offer until you’ve applied. The overall fee structure with this card is confusing and likely not clear to most applicants.


Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines, or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.