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- 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 international transaction fees on purchases abroad so you can travel with confidence
- No Social Security Number required for international students to apply
- Regular Purchase APR: 18.74% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $25
- Return Payment Penalty Fee: Up to $37
- Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
- Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
- Exclusive tableware and home d?cor items from porcelain - Offer Expires on December 31, 2021 - See Details
- Go on a guided truffle-hunting expedition in the Motovun Forest - Offer Expires on December 31, 2021 - See Details
- Embark on a journey through the city of the Iron Throne - Offer Expires on December 31, 2021 - See Details
- Discover Agra beyond the Taj Mahal on a virtual tour - Offer Expires on December 31, 2021 - See Details
- Play the Hidden Network of Private Courses - Offer Expires on December 31, 2022 - See Details
- Marvel at a celebrity stylist's star-studded fashion collection - Offer Expires on June 01, 2021 - See Details
- Embark on a virtual trip to the Banaras' ghats, Sarnath, and more - Offer Expires on December 31, 2021 - See Details
- Get a glimpse into India's history through the Gujarati thali - Offer Expires on December 31, 2021 - See Details
- View All Deals -
- Great for demonstrating responsible use of credit
- Short and easy-to-complete pre-qualification form
- 24/7 mobile account access
- Choose your card design free of charge
- Regular Purchase APR: 24.9%
- Cash Advance APR: 29.9%
- Cash Advance Transaction Fee: $0 during the first year; after first year, either $5 or 5% of the amount of transaction
- Penalty APR: 29.9%
- Annual Fee: $0 to $99 depending on the card issued
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- Over Limit Penalty Fee: Up to $40
- Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
- Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
- Exclusive tableware and home d?cor items from porcelain - Offer Expires on December 31, 2021 - See Details
- Go on a guided truffle-hunting expedition in the Motovun Forest - Offer Expires on December 31, 2021 - See Details
- Embark on a journey through the city of the Iron Throne - Offer Expires on December 31, 2021 - See Details
- Discover Agra beyond the Taj Mahal on a virtual tour - Offer Expires on December 31, 2021 - See Details
- Play the Hidden Network of Private Courses - Offer Expires on December 31, 2022 - See Details
- Marvel at a celebrity stylist's star-studded fashion collection - Offer Expires on June 01, 2021 - See Details
- Embark on a virtual trip to the Banaras' ghats, Sarnath, and more - Offer Expires on December 31, 2021 - See Details
- Get a glimpse into India's history through the Gujarati thali - Offer Expires on December 31, 2021 - See Details
- View All Deals -
- See if you’re Pre-Qualified with no impact to your credit score
- 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
- Regular Purchase APR: See Terms*
- Cash Advance APR: See Terms*
- Cash Advance Transaction Fee: See Terms*
- Annual Fee: See Terms*
- Foreign Transaction Fee: See Terms*
- Late Payment Penalty Fee: See Terms*
- Return Payment Penalty Fee: See Terms*
- Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
- Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
- Exclusive tableware and home d?cor items from porcelain - Offer Expires on December 31, 2021 - See Details
- Go on a guided truffle-hunting expedition in the Motovun Forest - Offer Expires on December 31, 2021 - See Details
- Embark on a journey through the city of the Iron Throne - Offer Expires on December 31, 2021 - See Details
- Discover Agra beyond the Taj Mahal on a virtual tour - Offer Expires on December 31, 2021 - See Details
- Play the Hidden Network of Private Courses - Offer Expires on December 31, 2022 - See Details
- Marvel at a celebrity stylist's star-studded fashion collection - Offer Expires on June 01, 2021 - See Details
- Embark on a virtual trip to the Banaras' ghats, Sarnath, and more - Offer Expires on December 31, 2021 - See Details
- Get a glimpse into India's history through the Gujarati thali - Offer Expires on December 31, 2021 - See Details
- View All Deals -
- See if you’re Pre-Qualified with no impact to your credit score
- 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
- Use your card at locations everywhere Mastercard® is accepted
- Regular Purchase APR: See Terms*
- Cash Advance APR: See Terms*
- Cash Advance Transaction Fee: See Terms*
- Annual Fee: See Terms*
- Foreign Transaction Fee: See Terms*
- Late Payment Penalty Fee: See Terms*
- Return Payment Penalty Fee: See Terms*
- Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
- Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
- Exclusive tableware and home d?cor items from porcelain - Offer Expires on December 31, 2021 - See Details
- Go on a guided truffle-hunting expedition in the Motovun Forest - Offer Expires on December 31, 2021 - See Details
- Embark on a journey through the city of the Iron Throne - Offer Expires on December 31, 2021 - See Details
- Discover Agra beyond the Taj Mahal on a virtual tour - Offer Expires on December 31, 2021 - See Details
- Play the Hidden Network of Private Courses - Offer Expires on December 31, 2022 - See Details
- Marvel at a celebrity stylist's star-studded fashion collection - Offer Expires on June 01, 2021 - See Details
- Embark on a virtual trip to the Banaras' ghats, Sarnath, and more - Offer Expires on December 31, 2021 - See Details
- Get a glimpse into India's history through the Gujarati thali - Offer Expires on December 31, 2021 - See Details
- View All Deals -
Celtic Bank Credit Cards
Celtic Bank is a relative newcomer to the banking industry. While companies like American Express and Wells Fargo can trace their roots back to the middle of the nineteenth century, Celtic Bank began in 2001.
The bank, with its headquarters in Salt Lake City, Utah, offers loans for businesses and consumers. The bank also provides a selection of credit cards, which are serviced by other financial service providers. These cards include the Surge Mastercard® and Reflex Mastercard®, as well as the popular Indigo® Platinum Mastercard®.
Who Can Benefit from a Celtic Bank Credit Card?
Celtic Bank credit cards are ideal for those with no credit history, bad credit, or fair credit scores. Establishing credit for the first time is difficult, as many lenders are unwilling to offer credit cards to those with no experience.
Lenders like Celtic Bank, however, understand this predicament and offer credit card products designed to help those starting their credit journey. That’s not to say that Celtic Bank credit cards are only for those without any credit history. Celtic Bank cards also make sense for those who have damaged credit. Using cards like the Indigo to build a record of positive payments can quickly repair lousy credit – in as little as six months, though actual times are unique to each applicant.
What Are the Best Credit Cards for Bad Credit?
There are plenty of credit cards for bad credit on the market today, but how do you know which one is right for you? At BestCards.com, we understand how tough it can be to find your next credit card. And this is extra difficult if you have bad credit.
Here are some of Celtic Bank’s best credit cards for bad credit scores:
Indigo Platinum Mastercard®
The Indigo Platinum Mastercard is one of the most popular credit card options for poor credit. The card features a fixed APR which is low when compared with other unsecured credit cards for people with bad or no credit. It also features no fee for cash advances for the first year and a 1% foreign transaction fee.
Foreign transaction fees of 3% are common with similar credit cards, so a card with such a modest charge is a pleasant surprise. Combining the 1% fee with the purchasing power of Mastercard, the Indigo is possibly the best “bad credit” card for international use.
The Indigo Mastercard also provides a modest $300 credit limit. While this might not seem like much, this low limit is the perfect tool for practicing financial responsibility. This includes thinking twice before using the card for purchases – a great habit to get into – and one that quickly can reap results!
Surge Mastercard®
The Surge Mastercard is another unsecured credit card option for those with poor credit or no credit history. The Surge Card features a variable-rate APR for purchases and manageable credit limits. These lower credit limits are ideal for those looking to learn the basics of financial responsibility, which in turn can help them graduate to more attractive credit card offers in the future. Celtic Bank also waives the monthly maintenance fee for the first 12 months for new applicants.
Reflex Mastercard®
The Reflex Mastercard is similar to the Surge credit card in that it appeals to those with a poor credit score. The card comes with the same flat-rate APR on purchases and cash advances, plus an initial credit line ranging from $300 to $750 (based partially on the applicant’s credit history).
Applicants who display proper financial management can even graduate to a larger credit limit in as few as six months. Plus, new Reflex card accountholders get the same 12 months of no monthly maintenance fees that come with the Surge Mastercard.
Other Options to Consider
Read the Milestone Gold Mastercard Review
- Extended warranty protection
- Fraud liability
- Price protection
- Reports to major credit bureaus
- Regular Purchase APR: 24.9%
- Cash Advance APR: 29.9%
- Cash Advance Transaction Fee: $0 during the first year; after first year, either $5 or 5% of the amount of transaction
- Penalty APR: 29.9%
- Annual Fee: $35 to $99
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- Over Limit Penalty Fee: Up to $40
- Take a hike with an award-winning landscape photographer - Offer Expires on December 31, 2021 - See Details
- Immerse yourself in the world of Italian food and wine - Offer Expires on January 24, 2031 - See Details
- Exclusive tableware and home d?cor items from porcelain - Offer Expires on December 31, 2021 - See Details
- Go on a guided truffle-hunting expedition in the Motovun Forest - Offer Expires on December 31, 2021 - See Details
- Embark on a journey through the city of the Iron Throne - Offer Expires on December 31, 2021 - See Details
- Discover Agra beyond the Taj Mahal on a virtual tour - Offer Expires on December 31, 2021 - See Details
- Play the Hidden Network of Private Courses - Offer Expires on December 31, 2022 - See Details
- Marvel at a celebrity stylist's star-studded fashion collection - Offer Expires on June 01, 2021 - See Details
- Embark on a virtual trip to the Banaras' ghats, Sarnath, and more - Offer Expires on December 31, 2021 - See Details
- Get a glimpse into India's history through the Gujarati thali - Offer Expires on December 31, 2021 - See Details
- View All Deals -
Read the First Access Solid Black Visa Card Review
- Reporting monthly to all three major credit reporting agencies
- All credit histories considered for this no security deposit credit card
- Perfect credit not required for approval; we may approve you when others won't
- Easy and secure online application
- Get the security and convenience of a full-featured, unsecured Visa® credit card - accepted at millions of merchant and ATM locations nationwide and online
- $300 credit limit (subject to available credit)
- Regular Purchase APR: See Terms
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: See Terms
- Annual Fee: See Terms
- Late Payment Penalty Fee: See Terms
- Return Payment Penalty Fee: See Terms
- Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
- Save 4% on all purchases - Offer Expires on May 16, 2021 - See Details
- Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
- Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
- Save 4% on all purchases - Offer Expires on May 16, 2021 - See Details
- Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
- Save 4% on hotel room reservations in the U.S. - Offer Expires on June 01, 2021 - See Details
- Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
- Save 4% on hotel room stays - Offer Expires on June 01, 2021 - See Details
- Save 4% on hotel room reservations - Offer Expires on June 01, 2021 - See Details
- View All Deals -
Browse the Best Credit Cards for Bad Credit of 2021
Trying to find a credit card but have a poor credit score? At BestCards.com, we understand how tough it can be to build a positive credit history. That’s why we offer comprehensive reviews of credit cards of all shapes and sizes – including cards for bad credit.
We have over 800 credit card reviews to date, covering issuers large and small. We also have extensive credit card news and advice resources, including tips to build your credit score quickly. Browse our reviews, learn from our industry experts, and find your best card today!