Surge® Platinum Mastercard®
Surge® Platinum Mastercard®


Surge® Platinum Mastercard®
- 29.99% (Variable) Regular Purchase APR
- See Terms* Cash Advance APR
At a Glance
The Surge Mastercard® from Celtic Bank can be an ideal pre-qualification option if you need to repair or continue building your less-than-perfect credit score. Though it bears annual and maintenance fees, it does, however, provide attractive perks for qualified cardholders – including the potential for a double credit limit increase in as little as six months.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- 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
- Regular Purchase APR: 29.99% (Variable)
- Cash Advance APR: See Terms*
- Cash Advance Transaction Fee: See Terms*
- Annual Fee: See Terms*
- Foreign Transaction Fee: See Terms*
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You have fair or poor credit and need to build or repair your credit ratings
- You prefer a pre-qualification card that will immediately inform you whether you would be approved prior to applying
- You want to double your credit line by up to $1,000 by making your first six monthly minimum payments on time
- You don’t want a secured credit card or can’t afford a security deposit
- You want a card that reports activity to the three major credit bureaus
- You want the security of an optional credit protection program
Reflex® Platinum Mastercard®
Reflex® Platinum Mastercard®


Reflex® Platinum Mastercard®
- 29.99% (Variable) Regular Purchase APR
- See Terms* Cash Advance APR
At a Glance
The Reflex Mastercard®, issued by Celtic Bank, is one of many credit cards for bad credit or no credit score at all. The card charges a variable interest rate and has a lower-than-average line of credit, though this credit line can double in six months with financial responsibility. Despite its included fees and APR, this can be an ideal card for those looking to build up their credit.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- 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 Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- 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
- Regular Purchase APR: 29.99% (Variable)
- Cash Advance APR: See Terms*
- Cash Advance Transaction Fee: See Terms*
- Annual Fee: See Terms*
- Foreign Transaction Fee: See Terms*
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You have poor credit or no credit and want to build up a positive credit history
- You want to double your credit line by up to $1,000 by making your first six monthly minimum payments on time
- You don’t want a secured card or to pay an initial security deposit
- You would like the option of joining a credit protection program
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 Platinum 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.
Browse the Best Credit Cards for Bad Credit
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