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Surge Platinum Card Review

Reviews 10,836
Surge Platinum Card
Visit Site
Surge Platinum Card
Surge Platinum Card
Excellent
Reviews 10,836
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

8.8
Editorial score

Fees

$75-$125 annual fee first year, then $99-$125
9.0

APR

29.99% (variable)
8.0

Security

Has encryption software, not FDIC insured
9.0

Customer service

Multiple communication options, wide range of hours
9.0

Online experience

User friendly site and app with basic FAQs
9.0

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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Trustpilot reviews
See what some customers are saying about Surge Platinum Card
Surge Platinum Card
Excellent
Reviews 10,836
on
Excellent
93%
Great
3%
Average
1%
Poor
1%
Bad
2%
D
diamond taylor
12 hours ago
Great customer service and helped…
Great customer service and helped resolve my issue
P
pam alberts
19 hours ago
Customer service was right there on the…
Customer service was right there on the spot to help me. Answered all my questions and we're very pleasant. Five stars
C
chastity m jones
19 hours ago
Informative
Informative and helpful
D
doug m oneill
19 hours ago
Excellence
Courtney was very professional
B
bobby e garmon jr
a day ago
Great customer service
Great customer service. 5 stars. Lady was very nice that took my payment. 5 stars
J
jacqueline
2 days ago
Knowledgeable customer service and true…
Knowledgeable customer service and true credit increases
R
rayanne c conyerstiwari
2 days ago
Ethan took ownership and resolved all…
Ethan took ownership and resolved all my issues.
L
louis a rogers
2 days ago
Very professional and knowledgeable of…
Very professional and knowledgeable of the service
E
emilaida
2 days ago
She was very knowledgeable!!
She was very knowledgeable!!! Solve my issue in no time when I had to call 3 times with the same issue !
L
loretta poindexter
2 days ago
My conversation with the agent was…
My conversation with the agent was wonderful! My issue didn’t take long to fix.. so easy! Thanks!
D
dakota r petch
2 days ago
Fast and simple answers
Fast and simple answers! And was super friendly.
S
sylvan bala
2 days ago
Excellent 💯👍
Excellent 💯👍
V
v. cook
2 days ago
Well so far.
Well so far.
K
kevin james
3 days ago
Do not get suckered in this accounts
Do not get suckered in this accounts. $100 a year for annual fee on top of outrageous APR . This card is a rip off. Don't do it
J
joe lippo iii
3 days ago
The person I talked to very nice and…
The person I talked to very nice and helped me to the T
E
evelyn coats
3 days ago
Very helpful and very nice and just A…
Very helpful and very nice and just A pleasure to talk to.
k
kdougherty41
4 days ago
The agent Lisa that answered my call…
The agent Lisa that answered my call today. Was great. She was very friendly kind and courteous. Need more like her, she heard the frustration of the automated system. and she was right there to help me thru it. Kudos to her she did great !!!!!!
J
jessie stewart
4 days ago
No problem paying my bill no hassle
No problem paying my bill no hassle
W
waylon whitaker
4 days ago
She was oh so polite and I could…
She was oh so polite and I could understand every word. I honestly loved the experience.
A
anna minichino
4 days ago
The man I spoke to was amazing!!
The man I spoke to was amazing!!
D
dusti j dusek
5 days ago
Customer service was easy to understand…
Customer service was easy to understand in their research assistance and resolution.
M
macaya a walker
5 days ago
She was amazing
She was amazing, very caring, and excellent at her job.
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servando padilla
2 days ago
Mi país,Puerto Rico no aparece en el…
Mi país,Puerto Rico no aparece en el listado y no tengo oportunidad de hacerlo y me rechaza la solicitud, que puedo hacer.
B
brodius reese
5 days ago
I’m glad that the service was excellent
I’m glad that the service was excellent
B
barbara francis
5 days ago
The young lady was pleasant and…
The young lady was pleasant and professional and informed me of information that I wasn't aware of about my account.
T
tracy l walker
5 days ago
Very courteous representative
Very courteous representative. Clearly spoke and listened to my dilema and showed empathy. Great customer service.
T
teresita r vergonia
5 days ago
Excellence Service
Kathy was nice helpful and patient
S
syreeta williams
6 days ago
I worked with 2 different associates…
I worked with 2 different associates and they were both kind and helped me resolve my issue
V
victoria l schmurr
6 days ago
Great customer representatives.
Great customer representatives.
J
jaquinnia benson
6 days ago
Cassandra was clear and concise...
Cassandra was clear and concise.... I ran into an issue with paying and she gave every option so that my account did not end up in collections. Customer service is not as great as it used to be but Cassandra helped me to see there is still some greatness out there in the customer service field. Thank you again Cassandra!
A
alma tejeda
7 days ago
This is probably the best choice to boost credit
This is probably the best choice to boost your score after a bankruptcy over a steady period of time. It starts you off with a small manageable amount of credit of between 250 and 500 for the first year. Easy to maintain and easy to pay off routine which steadily increases your rate due to good management. After a year they can increase it up to 2300 depending of your credit maintenance and if you make your payment on time. It does have a yearly fee of 75$ which is more than manageable. I recommend you get into a routine with it and don’t overspend. I used it for gas and then paid it off in full every month. Score went from 430 to 710 in 2 years of steady use and on time payments. I was able to purchase two new vehicles which where much needed in our household for work. If I ever am in need again of helping my credit score rise you bet Continental Finance and Surge Master card will be my first choice to help me achieve my goal.
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mindee miller
8 days ago
Stay away from Surge
If I were you, I would stay away from Surge. All they do is screw you and screw your credit up. I would pay every two weeks a little something on the card and with out notifying me the supposedly two payments were returned with not notifying me they just revoked the card, especially if you’re trying to build Credit don’t do it with Surge
c
customer
8 days ago
Everything was good
Everything was good
O
obrindley
8 days ago
Costumer Service Very Good Service Today!! Thank You!was Great
Costumer Service was Great. Very Helpful. And The Service Person Today Was Very Understanding and Patient with me because I was Sick Today. Thank You!!
J
jose
9 days ago
Todos los empleados son muy atentos y profecionales..siempre me atienden con mucho gusto
estoy muy contento con esta compania siempre me atienden con respeto
R
rita kinstle
10 days ago
The lady that helped me address issues…
The lady that helped me address issues with my card was very kind and understanding and patient and she was able to resolve the issues with One call
m
matilde hoffman
11 days ago
Amazing
Amazing, he fixed my issue immediately and offered me a increíble deal
D
donnie w parden
11 days ago
Awesome Rep
Representative was very helpful and pleasant. I appreciate him very much. He helped me resolve 3 different accounts
M
maurice carter
12 days ago
Very easy process to do
Very easy process to do
R
rodrigo a godoy
12 days ago
Excellent customer service
Excellent customer service
M
mathew linan
12 days ago
I was heard
She heard me and went above and beyond to try and fix my issue
M
mark w evans
14 days ago
Great customer service.
The rep I spoke to was very knowledgeable as well as friendly. Thank you so much.
T
tiffany zachary
14 days ago
Needed help getting card activated and…
Needed help getting card activated and he helped me
S
stephanie
14 days ago
It is advertised that if you make 6 on…
It is advertised that if you make 6 on time monthly payments your limit will double. That is false! They need to change their site. The customer service rep is unfazed with this false information. I do not recommend this card*****update**** I double back on my review. They doubled my limit. Not sure if it was for the review or what but I appreciate them correcting their wrong and making their customer happy.
G
george w stover iii
14 days ago
Both agents were polite and courteous
Both agents were polite and courteous. Both responded with knowledge and expertise. iwas helped as much as they both could do. thank you
K
kenneth w weldy
14 days ago
I don't like the way that every year…
I don't like the way that every year you get charged the annual fee
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maxx maxximus
15 days ago
The representative was very courteous…
The representative was very courteous and provided good explanations to all my questions...
A
agustin novo
16 days ago
Delays in receiving credit card
Please review my file for more details. to be brief it has taken months to receive my credit card because each time I call in I have been provided with different and truthful information
S
sue ogg
16 days ago
It’s been three weeks now I make an…
It’s been three weeks now I make an address change and order a new card and I still haven’t received my bank card yet, they keep telling me their back office haven’t receive my document yet, it’s so frustrating, you all have to improve
C
christopher keeler
17 days ago
I was helped with what I called for
I was helped with what I called for
D
dameion t moore
17 days ago
The representative was kind and…
The representative was kind and empathetic!
T
tom w wilson
17 days ago
The representative was clear concise
The representative was clear concise, and did a great job of explaining the brief process. Thank you to my representative.
K
kenneth isaacs jr
18 days ago
Lady was polite professional and very…
Lady was polite professional and very helpful.
m
mistview
18 days ago
The rep was very pleasant and clear
The rep was very pleasant and clear
L
lisa johnson
19 days ago
5 star customer service
Customer service was great. No problems communicating my issues and no problems with them resolving them.
J
jody a berger
19 days ago
I was put in touch with an excellent…
I was put in touch with an excellent gentleman in customer service who spoke kindly and was very professional and listened to my concerns and provided awesome answers and assistance. (I'm old and forgot my 'new friend's' name. He rocked!! Thank you Verve! & Surge! ♡
J
jeffrey brooks
19 days ago
Great card to have!
Great card to have!
J
justin a baer
19 days ago
Customer Service with Delilah
I dealt with Delilah Simpson and she was amazing! Polite, helpful, courteous, the woman needs a raise. I have no clue what you’re paying her, but people like her are almost impossible to find. Give her a raise, value her, appreciate her, because people like her will bring in clients, and the goal is to make money. That is what she’ll do for you! However corporate- don’t be greedy and try to realize what you already know. It takes money to make money. She is an investment that’s worth investing in!! I promise you- J.A. Baer
L
lillian j alejandrez
19 days ago
Helpful
Knowledge and quickness to resolve my issues.
D
donna
19 days ago
Scheduled Pymt made prior to due date.
I made my monthly payment four days before the due date and it posted. However my account is still showing a payment due and the customer service number I have keeps hanging up.
A
andrea
19 days ago
Rep was knowledgeable and was prompt.
Rep was knowledgeable and was prompt.
S
sharon hendricks
21 days ago
Great customer service
Great customer service
R
rosalva reynoso
21 days ago
My experience has always been so…
My experience has always been so wonderful with them. I had the pleasure of talking to Jenny today and she made my day by helping me in every question and problem I had.
S
suzanne e hallock
21 days ago
Great
The Gentleman helping me was great Courteous and very knowledgeable he took care of my problem promptly and was so so sweet.
J
john p. smith
21 days ago
Best Service I Have Ever Had
It is so nice to talk to someone who knows what there talking about. I don't remember the name of the lady who helped me but she knew exactly what my problem was ans was able to correct the problem immediately.
D
dowin gardner
21 days ago
"We Care"
Subject: Appreciation for Outstanding Customer Assistance Dear Surge MasterCard, I am writing to express my sincere gratitude for the exceptional customer assistance I received from one of your outstanding employees during a recent interaction regarding my credit card. In an era where customer service experiences are often mundane, the lady how helped me truly stood. She addressed my concerns and then looked over my account to make sure everything was in order. I thought it was all in order, and yall almost lost a customer because of my belief. Because of her, I'm still with you. She demonstrated an exemplary level of professionalism, patience, and expertise that not only resolved my issue but also left a lasting positive impression. I wish every professional phone interaction was with her. Her communication skills are superb. She ensured that I fully understood the situation. To say I felt like a valued a customer is an understatement. I felt like family. She's genuinely commitment to customer/people satisfaction, which is a testament to her high standards. It is rare to encounter such dedicated and proficient individuals in today's fast-paced business environment, and I believe that recognition is paramount when it is rightfully earned. She has undoubtedly set a benchmark for customer service excellence. Please buy her some flowers. It's employees like her who contribute to a positive reputation of a company, and we all benefited from her personal dedication to customer satisfaction. Thank you once again for having her answer my call. I wish I could say more, but words don't do justice when we encounter someone who genuinely cares about the customer. Sincerely, Dowin Gardner
J
juan c amador
22 days ago
Customer service was very professional…
Customer service was very professional and helpful she answered my questions in a timely and professional manner .
J
jonathan d ray
22 days ago
my wonderful experience with surge credit card.
hello, I had a wonderful experience with the entire surge team. Everyone was very helpful and were able to answer all of the questions that I had asked, there was one representative that was very respectful and helpful, assisting me in setting up my online account, because I’m not very computer savvy, Jesse was very patient and helpful in assisting me and was able to stay on the line until I completed the task. Thank you very much Jonathan Ray.
W
willie wright
22 days ago
The customer service rep was excellent
My experience with a customer service rep was excellent. She was wonderful.
J
james harris
22 days ago
The young lady I spoke with was very…
The young lady I spoke with was very helpful very friendly I give you all five stars because all in all it was very helpful
S
shirley thomas
22 days ago
Customer Service is always Awesome 👍
Customer Service is always Awesome 👍
M
maxine j mcintosh
22 days ago
The agent that assisted me with finding different options to assist with my current hardships.
The agent that assisted me with this call was very professional and helpful in finding hardship programs to better assist with my needs at the moment.
S
sandra i navarro
23 days ago
The rep was great and helpful
The rep was great and helpful
S
sandra i navarro
23 days ago
The person who took the call was great
The person who took the call was great
J
julian ramirez
23 days ago
Whenever there's an increase in my available credit and when the percentage goes higher on my less usage
Well after talking to the third representative who helped me to tell me to tell me that the automated service for the setting up the pin was it working and I had to go through the website, after that everything else is good I was able to sit on my pin and now I'm going to try to be able to get my cash advance out
R
robert a renner
24 days ago
Amazing representative
Amazing representative
D
deborah manning
25 days ago
Your CSR Valarie was the most helpful…
Your CSR Valarie was the most helpful employee I believe you have. I am very upset with some of your procedures you have in effect. Valarie wasn't in a rush and explained things to me fully and she also listened to what I had to say. She is one of your best employees. She deserves a RISE!!!!
D
daniel w martin
a month ago
Friendly patient representative
Friendly patient representative
J
jennifer m romanowski
a month ago
Mr Charles was friendly and politely…
Mr Charles was friendly and politely listened to my life story. He was professional and thorough.
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henry
a month ago
Superior customer service
Superior customer service. Representative was considerate and patient Very thorough and understanding
R
rena a bondbuxton
a month ago
Very satisfied with the responses
The person know her job was all about satisfying the customer
W
walls
a month ago
Friendly fast and easy service
Friendly fast and easy service. Thank you very good representative
S
samuel croft
a month ago
Helpful with charge dispute.
Had to dispute a charge. Surge was very helpful.
S
sheila e gray
a month ago
Excellent Service
The Customer Resolution Specialist was very polite and helpful!
D
donovan hunter
a month ago
Quick customer service support…
Quick customer service support unlocking my Mastercard thank you
A
anthony
a month ago
Really friendly and helpful
Really friendly and helpful. The customer service representative was kind and courteous and helped me resolve my problem.
R
richard j rau
a month ago
Kaelynn-Ann (?) was so very kind and…
Kaelynn-Ann (?) was so very kind and patient. She totally listened to my situation and was so very helpful. .I promised to try to make payments by or before *Dec 27*, before the accounts get charged off... .I plan and hope to be able to start rehabilitating all three cards before the charge off date, Dec 30, 2023.. I deeply appreciate your understanding.. Thank you kindly, Richard Rau 700 Parkview Blvd , Apt. 108 Covington LA 70433 cell: 985-900-4924 ***Note: above is my only contact info**
R
robert
a month ago
Great experience
Great experience! So far lol
T
terry v sturgeon
a month ago
Review 2023
This is a very pleasant company. They help answer all my questions.
A
adrienne
a month ago
She was really nice and helped me…
She was really nice and helped me activate my card
M
martha g blue
a month ago
Received call from ms Davis as reminder…
Received call from ms Davis as reminder bill due within 2 days - not feeling well I did appreciate the reminder call I gave authorization to process payment Excellent timing
S
sheila finch
a month ago
Pleasant Experience
The agent was very pleasant and helpful and was able to get the job done
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denise maxwell
a month ago
Very pleasant and professional young…
Very pleasant and professional young lady.
V
vav
a month ago
Very nice service.
Very nice service. Thank you.
K
karen walker
a month ago
Representative
The guy I talked to was very helpful
T
theodore e bureksr
a month ago
Always there when I need it
Very nice and helpful people They were there at exactly the right time
A
alexander garcia jr
a month ago
The way your company and representative…
The way your company and representative handles everything is great very knowledgeable and professional
J
jillian amabile
a month ago
Thank you
Helpful thank you
C
cameron
a month ago
Great customer care
The associate was well spoken and knew exactly what to say to each of my questions. She was also polite and very understanding!
J
joyce parise
a month ago
Customer service representative was…very helpful.
Customer service representative was very helpful. Was so nice. Helped me alot.