Celtic Bank Surge

Credit Card

Celtic Bank Surge

Unsecured card Reports to all 3 major credit bureaus

Potential for credit line increase after 6 months

How to Apply You will remain on the current site

Backed by Celtic Bank and issued through Continental Finance, this unsecured credit card is designed with accessibility in mind, targeting consumers who may have faced past financial setbacks.

Whether you’re recovering from a low credit score, looking for a stepping stone toward better credit, or simply need an unsecured option without requiring a security deposit, the Surge Mastercard provides a path forward.

With fast approvals, reporting to major credit bureaus, and the potential for credit line increases, it has become a trusted tool for many Americans.

From its straightforward application to its customizable credit limits, the Celtic Bank Surge card is positioned as a lifeline for those ready to take financial control again.

A Card Designed to Rebuild Credit Confidence

One of the standout features of the Celtic Bank Surge Credit Card is its openness to people with poor, fair, or limited credit.

Unlike traditional cards that turn away applicants due to low scores, the Surge card considers a broader range of applicants, offering a legitimate opportunity to rebuild financial standing.

It’s an unsecured card, so there’s no security deposit required—this alone makes it highly appealing.

Plus, it reports to all three major credit bureaus—Experian, Equifax, and TransUnion—helping you build credit with consistent use and on-time payments.

Over time, responsible usage can result in higher credit scores and greater financial access.

The card also offers a potential credit limit increase after the first six months, rewarding good payment behavior.

With a streamlined mobile experience and account management via the Continental Finance app, users can track spending, make payments, and receive alerts all in one place.

Pros and Cons

Pros

• Unsecured card (no deposit required)
• Reports to all 3 major credit bureaus
• Easy pre-qualification with no impact on credit score
• Potential for credit line increase after 6 months

Cons

• Annual fees may apply based on creditworthiness
• High APR compared to prime credit cards
• No rewards program or cashback
• Initial credit limit may be low for some users

How Do I Know if the Celtic Bank Surge Credit Card is Right for Me?

If you’re currently working to repair your credit and need a credit card that doesn’t require a deposit, the Surge card could be an ideal option. It’s not meant for people with excellent credit who are seeking cashback or travel rewards.

Instead, it’s built for individuals who need an accessible, functional, and fair way to begin their credit recovery journey.

Whether you’ve gone through bankruptcy, missed payments in the past, or simply haven’t had the chance to establish a credit history yet, this card gives you the starting point you need.

The pre-qualification process is soft-check based, meaning you can see your likelihood of approval without harming your score—a vital feature for people working on improving their credit.

Why Do We Like This Card?

The Surge Credit Card doesn’t try to be everything to everyone—and that’s a strength. It knows its audience and serves them well.

With clear terms, a helpful mobile app, and access to credit-building tools, it empowers users who might otherwise be overlooked by traditional credit providers.

We also appreciate the transparency in fees, the reporting to all major bureaus, and the chance for limit increases.

For someone starting over, these small steps can lead to meaningful improvements in financial health. It’s a no-frills solution—but that’s exactly what many people need.