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Surge Platinum Card Review
Reviews 10,460
Surge Platinum Card
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Surge Platinum Card
Surge Platinum Card
Excellent
Reviews 10,460
Michael Graw
Apr. 02, 2023
2 min read
Michael Graw
Surge Platinum Card Summary
The Surge Platinum Mastercard is an unsecured credit card from Continental Finance. It’s designed for individuals with poor credit who want to rebuild it without using a secured credit card. The card issuer reports your monthly payments to the three major credit bureaus. The Surge Platinum Mastercard comes with an initial credit limit of $300-$1,000, and your limit will double automatically when you make your first six payments on time.
Pros
  • Initial credit limit up to $1,000
  • Card issuer reports your payments to the major credit bureaus
Cons
  • High annual fee and monthly maintenance fee
  • Foreign transaction fee

Surge Platinum Card at a glance

3.8
Editorial score

Fees

Multiple fees
3.0

Eligibility (credit score)

Accepts all credit types
5.0

Security

Has encryption software, not FDIC insured
3.0

Customer service

Multiple communication options, wide range of hours
4.0

Online experience

User friendly site and app with detailed FAQs or help center
4.0

Surge Platinum Card Surge Platinum Card Learn More

Overview

The Surge Platinum Mastercard is offered by Continental Finance and issued through Utah-based Celtic Bank. Continental Finance has issued more than 2.6 million credit cards, including several other cards designed for individuals with poor credit. The company has an A+ rating with the Better Business Bureau.

You can use the Surge Platinum Mastercard to help build up your credit since Continental Finance reports your monthly payments to the three major credit bureaus. Another thing about this card is that it rewards on-time payments. Your credit limit automatically doubles when you make your first six payments on time.

Suitable For?

If you’ve been rejected for other unsecured credit cards due to subpar credit history, you may be suitable to qualify for the Surge Platinum Mastercard. Continental Finance considers not only your credit score, but also your monthly income, bill payment history, and other alternative credit data.

Mastercard reports your payments to the three major credit bureaus, so you can use it to build credit history and increase your credit score. You’ll also get a free credit score report each month when you sign up for e-statements. So, it’s easy to monitor your score for increases over time.

Unlike secured credit cards, which may also be used to build your credit, the Surge Platinum Mastercard doesn’t require a deposit. You also don’t need to pay off your purchases immediately. So, it can be a better option for individuals who want to pay on credit or who don’t have cash on hand for every purchase.

Interest Rates and Fees

The Surge Platinum Mastercard has an interest rate of 29.99% (variable) APR. 

The card carries an annual fee of $75-$125 for the first year, then $99-$125 per year after that. The card also has a monthly maintenance fee that varies from $0-$10 per month, but this is waived for the first 12 months. Your annual and monthly fees will depend on your credit data, credit limit, and income.

Other fees include a 3% foreign transaction fee and a $41 late and returned payment fee. Cash advances cost $10 or 3% of the advance amount.

Annual feeMonthly maintenance feeInterest rateForeign transaction fee
$75-$125 for the first year, then $99-$125/year$0-$10/month (waived for first 12 months)29.99% (variable) APR3%

Rewards and Cashback

The Surge Platinum Mastercard doesn’t offer any rewards or cashback bonuses. 

The Application Process

You can apply for the Surge Platinum Mastercard online or over the phone. You’ll need to provide your name, address, date of birth, contact details, and social security number. You must also estimate your monthly income. The online application takes less than five minutes. 

Continental Finance will then conduct a soft credit check to see if you pre-qualify for the card. This doesn’t impact your credit score, and the company will inform you of the pre-qualification decision immediately. 

If you pre-qualify, you can complete your application by consenting to a hard credit check, which may impact your credit score. As with pre-qualification, you’ll know the outcome immediately.

Once you’re approved, Continental Finance will send your new card in the mail. It typically takes three days to arrive.

Help and Support

You can contact Continental Finance by phone from 7am-12am (ET), Monday-Friday, and  8am-8pm on weekends.

Continental Finance also offers a 24/7 fraud hotline for reporting your card lost or stolen.

The company’s website offers only basic information about the Surge Platinum Mastercard. There are plenty of details about rates and fees, but the statement and bill pay portal isn’t available unless you have an active credit card account. Continental Finance does have several educational articles explaining how to use your card to build credit.

Phone: 866-449-4514

Security

Your online application for the Surge Platinum Mastercard is protected by 128-bit SSL encryption. The company uses the same encryption to protect your online account, although two-factor authentication is not supported. Continental Finance has a very clear privacy policy that explains what data it collects about you and how it shares it.

The Surge Platinum Mastercard comes with Mastercard’s Zero Liability Protection, so you’re never responsible for paying for fraudulent charges on your card. The card also contains an EMV chip for added security.

FAQ

Does the Surge Platinum Mastercard have an annual fee?

The Surge Platinum Mastercard carries an annual fee of $75-$125 for the first year, then $99-$125 for every year after that. The card also has a monthly maintenance fee that ranges from $0-$10 per month (up to $120 per year) starting after your first year.

What is the credit limit for the Surge Platinum Mastercard?

The Surge Platinum Mastercard offers an initial credit limit of $300-$1,000. This will depend on your credit score and your monthly income. If you make your first six payments on time, your credit limit will automatically double.

Can I use the Surge Platinum Mastercard to build credit?

Continental Finance reports payments toward your Surge Platinum Mastercard to the three major credit bureaus. This can help you build credit if you consistently make on-time payments. You’ll also receive your credit score for free when you sign up for e-statements, making it easy to monitor improvements.

Does the Surge Platinum Mastercard include fraud protection?

The Surge Platinum Mastercard comes with Mastercard’s Zero Liability Protection policy. This means that you won’t be responsible for paying for any unauthorized use of your card. In addition, Continental Finance, the card issuer, has a 24/7 fraud hotline.

Conclusion

The Surge Platinum Mastercard is an unsecured credit card for individuals with below-par credit. You can use the card to build your credit since Continental Finance reports payments to the three major credit bureaus. In addition, when you make your first six payments on time, your credit limit will automatically double. Despite the hefty fees, the initial $300-$1,000 credit limit is higher than with many similar unsecured cards.

Surge Platinum Card Surge Platinum Card Learn More

Methodology

This review was completed using information on the Surge Platinum Mastercard and Continental Finance websites, and a call to the Continental Finance’s customer support team.

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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Surge Platinum Card
Excellent
Reviews 10,460
on
Excellent
93%
Great
3%
Average
1%
Poor
1%
Bad
2%
J
j. werner
2 hours ago
Very knowledgeable & helpful
Very knowledgeable & helpful. So polite & a pleasure to talk to.
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anthony fornabaio
2 hours ago
They claim to not be able to verify my…
They claim to not be able to verify my identity for approval but still managed to hit my credit reports with the inquiry??? Nobody could provide details.
D
dawn thompsom
3 hours ago
Disappointed
The rep was deceptive
R
r of nj
4 hours ago
Great customer service.
Great customer service.
G
gloria
a day ago
Your agents are always helpful…
Your agents are always helpful knowledgeable polite just fix your automated and drop your fees for seniors
L
lillian l leotatuli
a day ago
Agent very knowledgeable and pleasant…
Agent very knowledgeable and pleasant to speak with.
L
l brown
a day ago
The Best
Quick response and approval.
L
laura cancilla
2 days ago
I was treated with respect and they…
I was treated with respect and they handled themselves Professionally. They were able to explain the issue well and I understand the policy better. Thank you.
M
mark johnson
2 days ago
The customer service rep was helpful…
The customer service rep was helpful and courteous.
J
jj
2 days ago
This is not a good credit card
This is not a good credit card. I was given a card with a $500 credit limit. a $125 initial fee and then a $125 annual. there are so many other fees associated with this card. when I went to activate the card, I heard all of these fees that were associated with it, I rejected the card. I did not activate and I am just going to let them close the card. I am not that desperate. this is one of the worst cards, that I've ever seen. do not do not accept this card. it's not worth it. this card does not help you. it hurts you more than it helps. even trying to leave a review is a pain in the butt. stay far far away from this card.
A
adm
2 days ago
Sonia is Awesome
Sonia, Provided Excellent Customer Service!!!! She is Extremely Kind and Professional!!!! The Tone of Voice and Her Demeanor is Very Relaxing and Calm!!!!!!
S
sean
3 days ago
Can not accept my new bank info so I…
Can not accept my new bank info so I can make a payment. Guess you don't get your money!
T
tina l tulk
3 days ago
Amazing
I had the most wonderful interaction with your customer service agent. Michelle agent # 932216.I am going through a very hard time right now, and Michelle was amazing at customer service.When I finished my interaction with her, she had made me feel as though a burden was lifted, that I was able to see a light at the end of that tunnel.She put a smile on my face. I felt heard, respected, understood, and like a person, not number.. .She was absolutely amazing!....You have a very special person working for you. I hope that someway you will acknowledge Michelle, because she absolutely deserves that...Thank you for actually acting on the acalades in advance.....Thank you again Michelle!! Amazing job!!!
K
kathleen worrall
3 days ago
Worst experiencep I ever had dealing…
Worst experience I ever had dealing with a credit card company. Customer service reps very unprofessional and stupid have no idea what they are doing never received my credit card always told it was mailed that was a joke. Want nothing to do with Surge close my account and cancel my Mastercard that I never received. Did file a complaint with the BBB that you will be receiving. Got nothing but the run around snd terrible customer service. Do you train your employees on how to do their jobs? I don't think so
V
vincent
3 days ago
Representative took his time to explain policy and needed information about my account very helpful thankyou very much for the credit opportunity surge!
Very user friendly that u surge for the credit opportunity
C
carmen m santiago
3 days ago
The lady take care me is very…
The lady take care me is very professional and very helpful.
D
dalisa m harkins
4 days ago
Overall customer service
After a terrible chat experience with Pamela, I called in hoarse and barely able to speak and got Yvonne. I knew she was special because we share the same middle name. She was absolutely amazing. She took the time to listen to me and my broken words and voice to help me. I was very pleased and grateful for her patience and understanding! Kudos to Yvonne! Customer Service om her level is needed across the board!
R
robert nguyen
6 days ago
Thankfully I am very thank for all of…
Thankfully I am very thank for all of the help and I will keep my mind on your service
M
megan little
7 days ago
Helpful
Helpful . Quick and simple .
G
gloria
7 days ago
Agents are always helpful an polite…
Agents are always helpful an polite only one problem fix the automated so you can check your balance and bring back the zero charge for seniors other than that great company enjoy doing business with you
M
michael neutz
7 days ago
Customer service
Customer service
J
joel
8 days ago
Very good attention and very friendly I…
Very good attention and very friendly I wish all the people were that kind thanks for everything
G
glenn caldwell
8 days ago
Customer service representative (Kathy)…
Customer service representative (Kathy) was extremely knowledgeable in her field and had superior customer service skills
B
brenda hawkins
8 days ago
This company has believed in me
This company has believed in me. I lost a job so unfairly in 2018 that destroyed my credit. Surge was the only one who believed in me. I my sister pasted away and I spoke with with three people who were amazing and helpful! Terra, Robin, and Griss
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sherarn newbern
9 days ago
It was good and fast
It was good and fast
A
amy l roeder
9 days ago
Issue with frozen card
Was very polite and fixed the issue immediately
A
aleta robinson
10 days ago
The agent was very helpful and…
The agent was very helpful and understanding. She was able to assist me with what I needed. Great personality !
H
hugh bowe
11 days ago
Very professional
Very professional, pleasant experience. Thanks
A
antonio pineda
13 days ago
Good customer service and excelent service
Greate experiencia Puntual service Customer service Great ph. Service to help cuestiones Great for limit credit. All service are than a orientación for cuestions.
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j tate
14 days ago
I don’t know if I got my application
I don’t know if I got my application, sent in or not
J
john sargent
14 days ago
Working with Corine Gardner
Working with Corine Gardner. She helped me get my credit limit increase when I was having trouble with it online. She was diligent, professional and courteous.
A
audrey marroquin
14 days ago
Great customer service
Quick, easy and pleasant
B
bryan w day
15 days ago
Awesome customer service
Customer Service was able to take care of my problem with efficiency.
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audrey fleischer
16 days ago
I have reflex MC and am on auto pay set…
I have reflex MC and am on auto pay set with ?40 month payment yet they charged me $59 then late fees saying the payment wasn't correct and waited til it was overdue...can't get any help cause they don't speak English and can not explain the difference in what i was set up with and why it's higher.
C
charles b schroeder
17 days ago
Had a problem with my Autp Pay and your…
Had a problem with my Autp Pay and your customer service rep Edgar handled the problem professionally and to my satisfaction ! I was close to cancelling my card but Edgar took control of the situation and helped fix my problem ! Edgar is the best !
A
alma flores
17 days ago
The young lady was sweet and wonderful
The young lady was sweet and wonderful
T
tony l
17 days ago
Great customer service and very patient…
Great customer service and very patient … representative did fantastic job answering my question. Truly appreciated !!
M
michael d witter
17 days ago
i needed to change my due date till the…
i needed to change my due date till the 3rd of the month they refused my requiste if i paid on the 3rd i would be charged a late fee i have nevered mayed a late payment for over 4 years yes i am upset
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angela dawson satisfied
17 days ago
How fast they answered and how quickly…
How fast they answered and how quickly I was taken care of.
M
mary j
17 days ago
She was so nice and funny
She was so nice and funny
A
annie d baldwin
18 days ago
Great Service
Great Job Keep Up The Good work!!
C
chad m hook
18 days ago
Representative was amazing and…
Representative was amazing and efficient... please provide them a good lunch, not some cheap stuff like McDonald's... Representative manager should take a 20 out of their pocket and get the representative something good, whatever they want.
D
drw
19 days ago
When CSR actually listens and be polite…
When CSR actually listens and be polite about who they are servicing at that point of call
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steven j
21 days ago
scamers they lie and just damage your…
scamers they lie and just damage your credit
C
charles l white
21 days ago
Great service and call taker courteous…
Great service and call taker courteous and professional.
O
ol sam
21 days ago
Fast and very helpful
Fast and very helpful
C
christina m curtis
22 days ago
Roye was great!
Roye was great and knows her stuff! Finally helped me.
B
bessie m belfield
22 days ago
My representative was very Outstanding
My representative was very professional, Knowledgeable, understanding. She gave me a few options to help me solve my problem that was best for me at this time. She also help see the outcome of my problem decision. SHE WAS GREAT! A GREAT PROFESSIOAL PERSONALITY. f .
L
leslie mouser
22 days ago
I was having an issue making my…
I was having an issue making my payment. He was great!
S
sherry
22 days ago
Great communication with the…
Great communication with the representative. She was very helpful and courteous.
D
dawn robinson
24 days ago
Customer service representative
Customer service representative that helped me was so nice, very helpful and fun to talk to!! Valued employee in my opinion!! Need more like her!!
p
patrice meilunas
24 days ago
She was awesome
She was awesome
C
charles j keech
24 days ago
I just enjoy the fact that I always get…
I just enjoy the fact that I always get customer service and help when I need it.
T
teresa m rodriguez
24 days ago
The representative was very helpful and…
The representative was very helpful and she took care of me in professional manner and was courteous.
D
d moore
24 days ago
The rep was very kind and provided…
The rep was very kind and provided excellent customer service.
E
evelyn r cain
25 days ago
Karina was more than willing to address…
Karina was more than willing to address my concerns. Situation resolved with her immediately. She's very professional as well as proficient. Thanks for having her on your team.
K
kristin troiano
25 days ago
Professional & friendly service
I've had my Surge MasterCard for awhile now & never had an issue. Customer service has been awesome each & every-time I had to speak with them. I had fallen behind due to job change & they worked with me & were not rude about it once. I received a limit increase without asking & when I needed to update information they made it simple & painless.
W
wilbur griffin
a month ago
Hopefully we resolved all the issues
Hopefully we resolved all the issues
K
kathleen worrall
a month ago
Terrible customer service
Everything it was a huge mistake never got such the run around and told so many different things by people did everything you asked me to do it should not be this hard. I never dealt with such an unprofessional company don t know what I was thinking.
L
linda k lloyd
a month ago
Miss Kathy was very nice 🙂
Miss Kathy was very nice 🙂
N
nancy holland
a month ago
Excellent customer service
Excellent customer service! Fast, friendly and knowledgeable.
J
jackie evans
a month ago
Teacher
Quick and friendly service
A
anthony r montford jr
a month ago
That patience and communication is the key
The lady on the phone was very well mannered and professional thank you hiring respectful people.
B
brenda demps
a month ago
You said I was pre-approval for credit…
You said I was pre-approval for credit increase and then you said no. If I was pre-approval that means I should have gotten the increase. As soon as I can I am closing my account.
R
roxie
a month ago
i don't like your interest rates
i don't like your interest rates - but your customer service is great and today - THIS person was great !! Thank You
D
debra mccain
a month ago
Excellent Customer Service
The Customer service representative was very courteous and knowledgeable. I could understand her.
I
iman afshar
a month ago
Good morning
I am Iman Afshar and I request to receive cash thanks
S
steven mcdaniel
a month ago
The lady that called me was courteous…
The lady that called me was courteous and helpful.
J
james w phillips sr
a month ago
Five Star All The Way
Five Star All The Way. She was very very helpful very friendly very professional she should make y'all proud for her working with you give her a raise she's deserve it
K
keith barnes
a month ago
Great Customer Service
Helped with everything I needed.
L
lori s bridgett
a month ago
The young lady was very efficient
The young lady was very efficient, knowledgeable and professional. I am very satisfied with the service O received on this call.
M
maria d ruizsr
a month ago
Very polite very goid
Very polite very goid
e
elaine mcgrew
a month ago
Valerie from Buffalo NY
Valerie from Buffalo NY, displayed outstanding customer service... she went above and beyond to help me try to register my card for payments, she patiently walked me through every single step to help me.... spent over 20 minutes..... Valerie you are the best
B
bruce a mccoy sr
a month ago
The effort and timely help i recieved…
The effort and timely help i recieved about my payment. Very knowledgeable and and helpful.
S
sandrea moore
a month ago
My name is Sandrea Moore,and I am a…
My name is Sandrea Moore,and I am a Surge customer. Kathy is a excellent representative for your company. Kathy was very patient,and did not rush me off the phone. She went above, and beyond to educate me on how to sign into to the apps, and set up automate payments for future payments. Thank you.
S
shannon m grant
a month ago
Absolute Must Have Credit Card!!
Absolutely A Highly Reccomended Must Have Credit Card!! Outstanding Customer Service Easy Payment Options Great App To Follow All Aspects Of Account!!
m
matthew hock
a month ago
This place is always awesome
This place is always awesome
T
theresa rodriguez
a month ago
Representative was very friendly and…
Representative was very friendly and knowledgeable Great experience. The only thing I do not like is nor able to pay online with a debit card this company should update their system to 2023 options and also reduce the processing fee.
G
glr
a month ago
I was very satisfied with the agent.
I was very satisfied with the agent.
M
mary r
a month ago
I've called and had 3 IT tickets made…
I've called and had 3 IT tickets made to fix the register app. Because I had an FIT card or will not allow me access. Therefore,I can't pay my bill or access my account. It's frustrating
V
versie j brooks
a month ago
The agent was kind and courteous.
The agent was kind and courteous.
C
chad m hook
a month ago
Ashley is a tremendous representative
Ashley is a tremendous representative, she deserves a raise and I truly hope you value her as an incredible asset to your company. Either a raise or her manager should bust out a $20 and get her a good lunch... not McDonald's, something good, whatever she's into...
A
alisha chalmers
a month ago
Charles Fletcher was Amazing
Charles Fletcher was Amazing! He handled my request quickly and put a smile on my face.
L
lloyd j ferraro
a month ago
Excellent Service
Wait was not long and all questions were quickly answered!
C
constance buckner
a month ago
Absolutely great experience really nice…
Absolutely great experience really nice person I spoke with.
E
esteban martinez jr
a month ago
Great
Great for building credit
c
customer
a month ago
Fue algo maravilloso una atención muy…
Fue algo maravilloso una atención muy especial. Dios permita que hallan muchas personas como ella. Que dios la bendiga y a todo a quien la rodea. Muchas gracias por su linda atención
J
je
a month ago
Pleasant agents and very helpful
The agent was very helpful and pleasant to work with. He waived the pay by phone fee since the website was not working.
D
deborah stanton
a month ago
They were very kind and supportive.
They were very kind and supportive.
L
laura r cantu
a month ago
My account representative was awesome!
My account representative was awesome!
J
john p perfetti
a month ago
Good
Good customer service
H
hans brost
a month ago
1 Star becomes 5 Stars!
Their site is does not work on older versions of Windows. I got a Call from Brian at Surge and they went to their tech department and got a login for me on a site that DOES work. SO, I'm all set and have online access now. What started as a 1 Star review has now become a 5 Star review, because of the outstanding customer service and attention to the problem!! Z
S
sherman leonard
a month ago
Be honest and not rob hard working…
Be honest and not rob hard working people for your mistakes. I made a payment two weeks ago and I had to make the same payment two weeks later. I wouldn't refer this card to my pet rabbit!!!! 🤬🤷
E
eddie l matthews
a month ago
Great card easy to use need more credit…
Great card easy to use need more credit on it to use more thank you
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david viado
a month ago
Received my card today and I tried to…
Received my card today and I tried to activate it but for some reason, they have my company's fax number as the primary number, I called to have my number changed to my actual number, and they had me send a phone bill. Why couldn't they just verify my info through the phone like other credit card companies, my phone number is under my brother's name so my name is not on the billing statement.
T
troy sanders
a month ago
Rep was very helpful and professional
Rep was very helpful and professional
M
monica dicrosta
a month ago
Surge$$$
Servers was excellent
b
brenda w.
a month ago
Very professional,listen to my request
Very professional,listen to my request, make me feel important.
F
francisco a ramos sr
a month ago
Good expert 👏
Good expert 👏
P
patsy hudson
a month ago
She was great
She was great