Celtic Bank
Surge® Platinum Mastercard®
⚠Poor value — we do not recommend this card. It is listed as a cautionary example. The fees are high relative to what you get, and a no-fee secured card builds credit far more cheaply. See the review below for a better alternative.
Cash back only
Annual fee
$125 first year, then $96/yr
Welcome bonus
None
Min spend
N/A
Recommended credit
Poor or rebuilding credit
Offer last verified July 14, 2026. How we verify.
Earning rates
About 30% APR
Any rewards are minimal and easily outweighed by the fees
Features & benefits
Annual fee about $125 the first year, then $96
$10 monthly maintenance fee (about $120/year) starts after the first 12 months
Reports to all three credit bureaus
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Surge® Platinum Mastercard® lands.
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