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Surge Credit Card Requirements | 2023 Surge Mastercard

If you want to apply for Surge credit card, there are Surge credit card requirements you must have. Meeting up with these requirements will help you apply for the card you’ve always dreamed of having. Once you know and meet up with these requirements, walking you through the application steps will be easy.Surge Credit Card

If you want to rebuild your credit score, the Surge Mastercard can help you in no small way. But before you can have the card and get all the help you need, you must, first of all, have all the requirements and learn how to apply for the card. Once you learn the steps, you can systematically follow it to apply and get the card. To apply, you must note the following:

  • You must have a good data connection to help you securely access the Surge online portal.
  • You must have your personal employment details handy as they will be required.

Before starting the application process, you must meet the requirements to be eligible to apply. The Surge credit card is one sure card you’ll be thankful that you have after you have applied for it. You’ll enjoy the benefits that come with the card.

Surge Credit Card Requirements

To successfully apply for the Surge credit card, you must meet all these requirements:

Personal details:Your personal details like your name, email address, phone number, date of birth and SSN are necessary requirements that you have to provide when applying for the card.

Your residence report: You must be a UK resident, to be eligible to apply.

A Wi-Fi or good data connection:This is to help you access the application portal without hitches.

An internet enabled device:You must have a smartphone or PC which will assist you in connecting to the Surge portal.

A good credit score:If you have a bad credit score or have not spent up to 5 million for the past three years, you can’t apply for this card.

Once you meet all these requirements and have successfully applied, getting the card should not be a difficult thing.

How to Apply for Surge Credit Card

Now that you know the requirements you need to apply, let’s show you the steps you need to apply:

  • Launch a functional web browser
  • Log into
  • This will take you to the application page. Click on the login link above to immediately log in.
  • Provide your name, email address, contact information, zip code of your country, and other required information.
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After you have successfully applied for the card, like any other credit card, there is a range of benefits you stand to gain. These benefits include:

  • Easy security and alert notifications
  • Enjoy low intro APR
  • Get protected against any unauthorized transaction on your account, as long as you notify the credit card company on time.
  • Convenient credit limit
  • An affordable annual fee
  • Review your credit card when you want to

You can enjoy all these benefits just by applying for this card. It’s that easy. All you need to do is take a step and apply today.

Surge Credit Card, offered by Celtic Bank and maintained by Continental Finance.

It is precisely created for those with a bad credit history and those that would like to set up and rebuild their credit.

In this article, we will tell you everything you should know about Surge Credit Card.

Hence, make sure you read through to get every info you need.

Now, let’s get started.

Surge credit card Overview

Surge Credit Card is offered by Celtic Bank and maintained by Continental Finance.

It is mainly created for users with a bad credit record and those that would like to set up and improve their credit.

Hence, if you’ve never had a credit card, you can build your credit with the Surge Credit Card.

Also, customers can access their monthly credit score via the E-statement on their Surge credit card account.

Pros & cons of Surge credit card

Below are the Pros and Cons of the Surge credit card:


  • The card is available to customers with poor or fair credit scores.
  • The prequalification and approval process for the credit card is quick and easy.
  • There is a chance to increase your credit limit after 6 months of opening the account.
  • Also, it gives users the chance to build credit without taking out a secured credit card.
  • Hence, since it’s an unsecured credit card, no security deposit is required to receive a credit limit.
  • It offers a 25-day grace period to pay off your statement balance after closing the last billing cycle without interest charges.
  • It has a mobile app where you can make payments, monitor account activity, and more.


  • It has high fees and a high APR.
  • It does not offer rewards.
  • The application process can be delayed if the card issuer is unable to verify their ID or efficacy.
  • It does not allow a balance transfer between cards. allows customers to register an account online or access an account that has already been created.

Hence, you must be 18 years of age or older and a legal resident of the United States.

However, if you have a good credit score and are wealthy, this card is not for you.

On the other hand, you will need a valid email address to register for the Surge credit card.

Once you register your Surge Card online, you can now check your account balance, make online payments, and sign up for E-Statements

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Hence, E-Statements are the fastest and most useful way to manage your credit card account

Also, it is only available to Surge Card customers who register their cards online.

How to Register for Surge Credit Card Online?

Follow the steps below to register for Surge Credit Card Online:

  • Using a browser, visit
  • Now, click on “LOGIN”.
  • Next, scroll down and click on “Register for Account”.
  • Now, enter the last 4 digits of your account.
  • Then, the last 4 digits of your SSN.
  • Next, enter your billing Zip Code
  • Then, click on “NEXT”.

Surge Credit Card Login

Follow these steps below to login to your surge credit card account:

  • Using a browser, visit
  • Now, click on “LOGIN”.
  • Next, enter your username and password.
  • Then click on “LOG IN” and you’re done.

On the other hand, if you can’t remember your username or password, follow these steps below to retrieve them:

  • On the log-in page, scroll down and click on either “Forgot Username?” or “Forgot Password”
  • Then, follow the on-screen prompts to retrieve your username or password.

How to Apply for Surge Credit Card

Follow the steps below to apply for Surge Credit Card:

  • Using a browser, visit
  • Then, click on “APPLY NOW”
  • Now, fill in the needed info and click on “See My Card Offers”
  • After that, follow the on-screen prompts to complete the process and you’re done.

How to Activate Your Surge Card?

Follow the steps below to set up your Surge Credit Card:

  • Visit, using a browser.
  • Now, click on the menu bar at the top of the screen.
  • Then, select “ACTIVATE MY CARD”
  • Next, enter the last 4 digits of your credit card, the last 4 digits of your SSN, and your 5 digits Zip code.
  • Now, click on “ACTIVATE MY CARD”
  • After that, follow the on-screen prompts to complete the process.
  • Once you’re done, you can now make use of your Surge Credit Card.

How to Make Your Surge Credit Card Payment?

Below are four ways to make a Surge Credit Card Payment:

Pay Online

Follow these steps to make a Surge Credit Card Payment online:

  • Using a browser, visit
  • Now, click on “LOGIN”.
  • Next, enter your username and password.
  • Then click on “LOG IN”
  • After that, follow the on-screen prompts to make the payment.
  • Once you are done, you can set up alerts and manage your account.

Pay Via phone

You can make payment on the phone by calling 1-800-518-6142.

Then, follow the IVR and provide personal and bank details to make payment.

Pay via mail

You send payment checks to:

  • Surge Card

PO BOX 6812

Carol Stream, IL 60197-6812

Pay via App

You can also make your Surge Credit Card Payment via the Continental Finance mobile app.

Hence you can download the app on your android phone via Google Play Store and on your iOS via App Store.

Surge Credit Card Customer Service

You can contact Surge Credit Card Customer Service via:

  • For the continental Finance Card Info Website, or how to access and use it, call 1-866-449-4514.
  • Also, for a lost card or questions about account transactions call toll-free 1-866-449-4514.
  • Hence, when calling the toll-free number in regards to a lost card, please have the account number or card number.
  • On the other hand, you can contact the Customer Relations Department by fax at 302-454-7952.
  • However, when contacting Continental Finance via fax please provide your full name and mailing address.
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Need Credit Protection?

For credit protection, contact any of the following:

  • Phone: 866-665-7967
  • Email:
  • Fax: 302-525-3593
  • Mail: Credit Protection, PO Box 8099, Newark, DE 19714-8099

Other Credit Card Issued By Continental Finance

Below are some credit cards issued by Continental Finance:

  • Simply Gold Credit Card
  • Matrix Credit Card
  • Fit Card
  • Reflex Card

Other credit card options

You can consider using any of these credit cards:

  • Capital One Credit Card Offers

  • AMEX Magnet RSVP Card

  • com/IT card

Surge Credit Card Reviews (from popular credit card blogs)

Below are Surge Credit Card Reviews from top credit card blogs:

  • org: 4.7 out of 5 by author
  • com: 3.2 out of 5 by author
  • com: 2.5 out of 5 by author


We hope we’ve been able to give you all the info you need on Surge Credit Card.

Hence, if you have any questions about Surge Credit Card, please leave a comment.

Reference link

Frequently asked questions (FAQS)

Is surge a legitimate credit card?

The Surge Mastercard is a legit credit card for people with bad credit.

What credit score do you need for a surge card?

The Surge Credit Card approval needs include having a bad or fair credit score of at least 300+.

Does surge increase credit limit?

Surge Mastercard is able to double your initial credit limit after six months, but it’s not certain.

What is the surge credit card limit?

You can get a credit limit between $300 and $1,000 with the Surge credit card, without a security deposit.

Is surge easy to get?

The Surge Mastercard is one of the easiest credit cards to get if you have bad credit.

Hence, the card’s annual and monthly fees may reduce requests.



  • Christian Ehiedu

    I write for Educational, Financial, technology, and social media content producers. I am deep into doing credible research that will benefit you the reader. You can contact me on Tumblr, Chris Adam Facebook, Shopfortool Pinterest Account. I am a Technician and a woodworker. I have lots of years of experience in Technical work. I did some per time work at an electrical store. Having gathered lots of experience in the use of various tools link Mechanic Tools, Woodworking Tools, Power Tools, and Plumbing tools, I decided to put up this blog to help advise intending buyers or new biz on the right tools to buy on the market. My social Handle:

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