Celtic Bank

Surge® Platinum Mastercard®

A $96-a-year credit-building card from Celtic Bank.

⚠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

Network

Mastercard

3.7/10Our rating · review ›

Rates, fees, and full terms are set by Celtic Bank and can change; check Celtic Bank’s official terms for current rates and fees before applying.

Before you apply: credit card application and welcome-bonus rules →

Offer last verified July 14, 2026. How we verify.

Is this card right for you?

✓ Best for

someone rebuilding credit who wants a card that reports to all three bureaus.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $96 annual fee.

Earning rates

About 30% APR

Any rewards are minimal and easily outweighed by the fees

Best ways to earn & redeem

Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.