Credit Cards
Surge® Platinum Mastercard® — Up to $1,000 Initial Credit Limit
See if you pre-qualify in less than a minute. Checking won't impact your credit score, and Surge reports to all three major credit bureaus.
- $300 to $1,000 Credit Limit
- Pre-Qualify With No Score Impact
- Reports to All 3 Bureaus
- Takes Less Than a Minute
Fill out the short pre-qualification form on Surge's secure site. It takes less than a minute and won't impact your credit score.
Review your card offer, including the credit limit, rates, and fees, and choose whether to apply.
If you receive an offer and accept it, that may impact your credit score. Approval is decided by the issuer.
What the Surge® Platinum Mastercard® offers
Initial credit limit up to $1,000
Card offers are for an authentic Mastercard® with a credit limit between $300 and $1,000.
Know the costs
35.90% APR. Annual fee of $75 the first year then $99 (on a $300 limit) or $125 a year (on a $500, $750, or $1,000 limit), plus a monthly fee after the first year of $12.50 (on $300 or $500 limits) or $10 (on $750 or $1,000 limits).
Fast pre-qualification
It takes less than a minute to see if you pre-qualify, and checking won't impact your credit score.
Reports to all 3 major bureaus
Surge reports to all three major credit bureaus to help people build or re-establish credit history.
Credit score access
Access your credit score from Identity Advantage in the mobile app, using Experian VantageScore 3.0. It may not be used for credit decisions.
Zero liability protection
Cardholders aren't held responsible for unauthorized charges, subject to Mastercard® guidelines.
Common questions
- Does checking if I pre-qualify affect my credit score?
- No. Checking to see if you pre-qualify won't impact your credit score. If you receive an offer and accept it, that may impact your score.
- What credit limit could I get?
- Surge card offers are for a credit limit between $300 and $1,000. The fees and your initial available credit depend on which limit you're offered.
- What fees and interest does it charge?
- The published terms list a 35.90% APR for purchases and cash advances, an annual fee of $75 the first year then $99 on a $300 limit (or $125 a year on higher limits), and a monthly maintenance fee after the first year of $12.50 (on $300 or $500 limits) or $10 (on $750 or $1,000 limits). There are also cash advance, foreign transaction, late, and returned payment fees, plus optional additional-card and premium-design fees.
- Can it help me build credit?
- Surge reports to all three major credit bureaus to help people build or re-establish credit history. Paying on time and keeping your balance low can help over time; late payments can hurt your credit.
- Who can apply?
- The card is not available if you reside in WA, WV, CO, MN, PR, GU, AA, AE, AP, AS, MP, or VI. Approval is decided by the issuer.
- Who issues the card?
- Surge® is issued by Celtic Bank, pursuant to a license from Mastercard® International. Continental Finance Company, LLC provides services for the account but is not a bank.
Important: Checking to see if you pre-qualify won't impact your credit score, but if you receive an offer and accept it, that may impact your score. Credit score access is calculated on the VantageScore® 3.0 model; your VantageScore 3.0 from Experian® is not used by all lenders, and your lender may use a different score. Rates and fees are from Surge's Account Opening Disclosures and Pricing Information (retrieved October 2026). Some set-up and maintenance fees are assessed before you begin using your card and reduce your initial available credit. Surge® is issued by Celtic Bank, pursuant to a license from Mastercard® International. Continental Finance Company, LLC provides services for the account but is not a bank. This is a credit solicitation only; Continental Finance Company, LLC is not the lender. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Found Benefits is not the provider and does not make lending, enrollment, card, scholarship, aid, approval, funding, cash back, or eligibility decisions. Availability, amount, timing, rates, and fees are determined by the provider or lender network. Review the destination site’s terms, privacy policy, fees, repayment terms, accreditation details, tuition, program requirements, and other conditions before submitting information.
