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.

Review

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. 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.

Advantages
  • 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.
Disadvantages
  • 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

  • See terms for annual fee and APR information.
  • There is an annual maintenance fee with this card.
  • You’ll pay a 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 .

Extras and perks

There are no extras or perks with this card.

How this card compares

Discover it® Secured
  • 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 gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Intro Offer: Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Receive Free Social Security number alerts— Discover will monitor thousands of risky websites when you sign up.
Credit Needed

Limited/Bad Credit

Regular APR

24.74% 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®
  • 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

Fair Credit

Regular APR

23.90% Fixed

Annual Fee

$0 - $99

Purchase Intro APR

N/A

Balance Transfers Intro APR

N/A

The Indigo Platinum Mastercard may charge an annual fee of either $0, $59, or $75 the first year, $99 thereafter based on credit profile. There’s a penalty APR that may apply indefinitely after one missed payment.

Total VISA® Unsecured Credit Card
  • 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

Bad/Fair

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. 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
  • See if you Pre-Qualify without harming your credit score. Find the card that's right for you in less than 60 seconds.
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you're at home or on-the-go.
  • Know you're protected from unauthorized charges with Zero Fraud Liability—included with every Credit One Bank account
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Give your credit a boost with credit line increase opportunities, a fee may apply.
  • Eligible purchases such as gas, groceries, mobile phone, internet, cable and satellite TV will automatically earn 1% cash back rewards. Terms apply.
  • Always know what's happening with your account with custom email and text alerts to remind you about your payment due date, notify you when a payment posts, or warn you if your available credit runs low.
  • Customize your card by selecting a unique design from Credit One Bank's card gallery. There are more than 20 options to choose from. A fee may apply.
Credit Needed

Bad Credit

Regular APR

19.74% - 25.74% 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.

EDITORIAL NOTE

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.