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Celtic Bank
CREDIT CARD APPLICATIONS
Celtic Bank is headquartered in Salt Lake City, Utah and it is a privately owned industrial bank. Celtic Bank was founded in 2001 and has already become a leading small business lender. But small business loans are not the only products the bank offers to their clients. Consumers can also find credit cards and loan products offered by Celtic Bank.
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- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Free online account access 24/7
- Checking Account Required
- Earn 50,000 bonus points when you spend $3,000 on purchases in the first 3 months after account opening.
- Earn 5x points per dollar at more than 400 wineries, wine clubs, and other Grand Reserve Partners
- Earn 3x points per dollar at any other winery, wine store, liquor store, restaurant, or bar
- Earn 2x points per dollar everywhere else
- Earn an additional 2 point per dollar bonus at your top wine merchant each month
- Redeem your points from our sommelier-curated catalog of more than 450 products and experiences for the discerning wine lover
- Receive discounts and upgrades at hundreds of wineries with your complimentary Priority Wine Pass membership
- Includes a sleek, premium metal card and access to exclusive cardholder events
- 1% of our revenue is donated to tackling climate change with 1% For the Planet
- $0 annual fee for the first year, then $149
- No foreign exchange fee
- Purchase APR: Variable interest rate ranging from 14.99 - 22.99% (based on current prime rate of 3.25%), depending on applicant's credit
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
- Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
- Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
- Feel secure with cell phone protection up to $600.
- No deposit required. No annual fees.
- No international transaction fees on purchases abroad so you can travel with confidence.
- No Social Security Number required for international students to apply.
- Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
- Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
- See if you prequalify with no impact to your credit score in minutes.
- Deserve Mastercards are issued by Celtic Bank, Member FDIC.
- Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.
Celtic Bank Offers
for Limited Credit
Even though Celtic Bank offers small business loans mostly, consumers with any credit type can also find credit card offers from this bank. For example, there are Reflex Mastercard and Surge Mastercard credit cards issued by Celtic Bank. However, the bank only issues these cards and all services are provided by Continental Finance Company.
Both the Reflex card and Surge card are mostly aimed at people with bad credit or no credit at all, but in fact all types of credit are welcome to apply. If you ruined your credit score and have problems with getting approved for a credit card, either Reflex or Surge credit card may be a good opportunity for you. However, these cards, as many other credit cards for people with bad credit, come with hefty fees and sky high interest rates. This is a significant drawback because fees and interest rates are what people want to avoid in the first place.
Although Celtic Bank credit card offers can give you a chance to rebuild your credit, you should be very attentive to the credit card terms and fees. Rebuilding credit rating is not an easy task but it can be done at less cost. Just check out other credit card options offered to people with bad credit to have something to compare with.
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