Learn how to apply for the Surge Platinum Mastercard
Apply for the Surge Platinum Mastercard and all credit types will be accepted. In just 6 months, you will have the opportunity to increase your limit twofold!
Interested in the Surge Platinum Mastercard? Here’s What to Do
If you’re looking for a credit card that welcomes all credit types, consider the Surge Platinum Mastercard. It’s designed for those with limited or poor credit, so don’t hesitate to submit your application, even if you’ve had financial difficulties in the past.
Issued by Celtic Bank and serviced by Continental Finance, the Surge Platinum Mastercard is an unsecured credit card that can help you build credit. Continental Finance understands that not everyone has perfect credit and accepts applications from individuals with less-than-perfect credit.
One of the standout features of the Surge Platinum Mastercard is the opportunity to double your initial credit limit as you improve your credit score. While the minimum initial credit limit is $300, it can go as high as $1000. By consistently paying your credit card invoices on time, you can see your credit limit increase in just six months. For example, if you start with a $1000 limit, it can grow to $2000 within six months.
Continental Finance also reports your monthly payments to the three major credit bureaus – TransUnion, Experian, and Equifax. This reporting helps establish a positive credit history, making the Surge Platinum Mastercard an effective tool for building credit.
Who Qualifies for the Surge Platinum Mastercard?
The Surge Platinum Mastercard is specifically designed for those with bad credit. The application approval threshold is low, starting at a credit score of +300. Other factors, such as income, debts, and overall creditworthiness, are also considered during the application process. You could receive a decision on your application within seconds, making it easy to improve your credit and start a new financial phase in your life.
How to Apply for the Surge Platinum Mastercard?
Applying for the Surge Platinum Mastercard is a straightforward process. You can apply online through the Continental Finance website or call 1-866-513-4598 if you prefer to apply over the phone. Basic information will be required regardless of the application method. The Surge Platinum Mastercard is available to residents of all 50 U.S. states and the District of Columbia.
Is the Surge Platinum Mastercard Worth It?
Although the Surge Platinum Mastercard doesn’t offer any rewards for purchases, it serves as a viable credit card option for individuals looking to increase their spending power and build their credit. It’s important to note that the Surge Platinum Mastercard has a high annual fee in the first year of card membership. Making on-time, full payments each month is crucial to avoid additional fees and maximize the benefits of the card.
Surge Platinum Mastercard vs. U.S. Bank Cash+ Visa Signature Card
The U.S. Bank Cash+ Visa Signature Card is a rewards-oriented credit card, offering 5% cashback on select categories of purchases. While the U.S. Bank Cash+ Visa Signature Card may be more appealing to those with good credit, the Surge Platinum Mastercard caters specifically to individuals with bad credit. The decision between the two cards will largely depend on your credit score and financial goals.
Surge Platinum Mastercard Pros:
- Open to people with less than perfect credit
- Possible credit limit increase after just six months
- Monthly reporting to the three major credit bureaus
- $0 fraud liability
- Free monthly credit score
U.S. Bank Cash+ Visa Signature Card Pros:
- 5% cash back on your first $2,000 purchases each quarter on two chosen categories
- 2% cash back on one everyday category
- Earn 1% cash back on all other purchases
- 0% intro APR on purchases and balance transfers for the first 15 billing cycles
- No annual fee
