By the Money Credit Guide team · Updated October 28, 2026
These are card offers from our partners for people with fair or less-than-perfect credit. Each one shows its limit, fees and rate, so you can compare the cost before you apply.
Read moreShow less
What to look at before you apply
The yearly cost. Add up any annual fee and monthly fees for the first year and the years after. Some cards charge more in the second year.
The credit limit. A small limit fills up fast, and a balance close to your limit can weigh on your credit score.
The APR. If you might carry a balance, the interest rate matters more than any reward.
The issuer's terms. Each card links to its rates and fees. Those terms, not this page, are what count.
How these cards get here
The cards on this page are offers from companies that pay Money Credit Guide when someone applies or is approved. That's how the site stays free. We only show offers that are running right now, and the card details come from each issuer's own offer materials.
Credit Limit of $300 or $500: $0 introductory fee for the first year, then $150 thereafter (billed $12.50 per month).
Regular APR
35.90% Fixed
Credit needed
See website for Details*
Highlights
Up to $1,000 Initial Credit Limit
See if you Pre-Qualify with No Impact to your Credit Score
Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
Not available in Colorado, Minnesota, Washington or West Virginia.
Card details
Unsecured credit card requires No Security Deposit
Perfect card for everyday purchases and unexpected expenses
Monthly reporting to the three major credit bureaus
Use your card everywhere Mastercard is accepted at millions of locations
Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Regular APR
35.90% Fixed
Late Payment Fee
Up to $41.00
Return Payment Fee
Up to $41.00
Intro Rate
See website for Details*
Intro Period
See website for Details*
Annual Fee
$75 - $125
Balance Transfer
See website for Details*
Credit Recommended
See website for Details*
Intro (Purchases)
See website for Details*
Intro (Balance Transfers)
See website for Details*
Monthly Maintenance Fee
Credit Limit of $300 or $500: $0 introductory fee for the first year, then $150 thereafter (billed $12.50 per month).
Additional Card Fee
$30 (one time, if applicable)
Cash Advance Fee
Either $10 or 3% of the amount of each cash advance, whichever is greater.
Foreign Trans Fee
3% of each transaction in U.S. dollars
Issued by Celtic Bank
Not every card is available in every state. Each card shows the states where it isn't offered.
Advertising disclosure: these are credit card offers from our partners. Money Credit Guide may be paid if you apply for a card or are approved, and that can affect which cards appear here and in what order. Each card issuer makes its own decision and sets its own rates and fees, so read the terms on the issuer's site before you apply. More about how we make money.
Questions people ask
Will looking at these cards hurt my credit score?
No. Browsing this page doesn't involve a credit check. Some cards let you see if you pre-qualify, or say there's no impact to your score if you're not approved; each card's lines say which. If you apply, the issuer may make a hard inquiry, which can lower your score slightly for a while.
Do I need a security deposit?
Not always. Secured cards ask for a deposit, which usually sets your credit limit. Unsecured cards don't. Each card above shows its security deposit in the key facts when the issuer lists one.
How long does it take to build credit with a new card?
There's no set timeline. Your score depends on your whole credit history. Paying on time and keeping your balance low are the habits that help most, and their effect builds over months.
Is Money Credit Guide a bank or card issuer?
No. We're not a bank, lender or card issuer. We show offers from card issuers and their partners, and we may be paid when you apply or are approved. Your application goes straight to the issuer, and they decide.
Why don't I see a card for my state?
Card issuers don't offer every card in every state. A card that isn't offered everywhere lists the states where it isn't available.
Get the newsletter
Plain-English tips on credit cards and credit, plus card offers from our partners. Free.