SurgeCardInfo | Surge Mastercard Credit Card Guide


Welcome to an in-depth guide on the Surge Mastercard, issued by Celtic Bank and serviced by Continental Finance Company. Designed to support individuals with poor credit history, the Surge Credit Card offers an opportunity for cardholders to rebuild their credit while enjoying a range of benefits.

In this complete help site, we will answer questions regarding the step-by-step process for Surge card activation, registration and login, and applying for the Surge card, ensuring you have a clear understanding of how to maximize your experience as a Surge Credit Card holder. Let’s dive in!


Benefits of the Surge Credit Card

The Surge Credit Card offers several benefits tailored to individuals looking to rebuild their credit score and improve their financial standing. These benefits include:


Rebuild your credit score: The Surge Credit Card empowers individuals with poor credit history to rebuild and strengthen their credit profiles over time.

Initial credit limit: Enjoy an initial credit limit ranging from $300 to $1000, providing the means to manage your expenses responsibly.


Credit limit increase: By consistently making on-time payments for six months, you have the potential to double your card limit, enhancing your financial flexibility.

Mastercard zero liability protection: Rest easy knowing that the Surge Credit Card includes Mastercard zero liability protection, which safeguards you against unauthorized transactions.

Monthly reporting to all three credit bureaus: Take advantage of the monthly reporting of your responsible credit usage to Equifax, Experian, and TransUnion, supporting the improvement of your credit standing.

Free monthly FICO score: Stay informed about your credit progress with a complimentary monthly FICO score, enabling you to track your journey towards better credit.

Rewards: The Surge credit card offers 1% cash back on all purchases.

Activation Guide for the Surge Mastercard Credit Card

To activate your Surge Mastercard Credit Card, follow these simple steps:

  1. Visit the official Surge Credit Card activation website at
  2. Click on the “Activate My Card” button.
  3. Provide the last 4 digits of your credit card, the last 4 digits of your social security number, and your zip code.
  4. Click the “Activate My Card” button to complete the activation process and start using your Surge Credit Card.


Registration and Login Guide for the Surge Mastercard Credit Card

To register and login to your Surge Mastercard Credit Card account online, follow these steps:

  1. Visit the official Surge Credit Card website at
  2. Click the “Login” button to reach the login page.
  3. If you don’t have an account, click on “Register for Access” to create one.
  4. Enter the last 4 digits of your card, the last 4 digits of your social security number, and your zip code.
  5. Click “Next” to proceed.
  6. Choose a username and password to complete the registration process.
  7. After registration, use your chosen username and password to log in to your Surge Credit Card account securely.


How to Apply for the Surge Credit Card?

Applying for the Surge Credit Card is straightforward. Just follow the steps listed below:

  1. Visit the official Surge Credit Card application page at
  2. Enter your reservation number and social security number.
    • If you don’t have a reservation number, click on the “See if You Pre-Qualify” link and fill out the short pre-qualification form to determine if you meet the requirements.
  3. Follow the instructions provided to complete your application for the Surge Credit Card.


How to Make Payments on Your Surge Credit Card?

Making payments on your new Surge card is simple. All you need to do is login to your Surge card online account and located the payments section. From there add your bank account and select one-time payment or recurring autopay. For more details regarding payments by phone or through the mail you can check out our complete guide to making Surge credit card payments.


Contacting Surge Customer Service

For any assistance or inquiries regarding the Surge Credit Card, please use the following contact information:

  • General Information: Call 1-866-449-4514 to reach Surge customer service for general inquiries.
  • Payments: For payment-related inquiries, please call 1-800-518-6142.



The Surge Credit Card presents a valuable opportunity for individuals looking to rebuild their credit and improve their financial well-being. With its tailored benefits, including an initial credit limit, credit limit increase potential, zero liability protection, monthly reporting to credit bureaus, and a free monthly FICO score, the Surge Credit Card offers a path towards better credit standing.

By following the step-by-step guides provided for card activation, registration and login, and the application process, you can easily navigate the necessary procedures to maximize your Surge Credit Card experience. Remember to make on-time payments and manage your credit responsibly to take full advantage of the benefits offered.

Take control of your credit journey with the Surge Mastercard Credit Card and begin building a stronger financial future today!

Disclaimer: This article is intended for informational purposes only. Please refer to the official Surge Credit Card website and customer service for the most accurate and up-to-date information.

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