Celtic Bank Credit Cards

Celtic Bank is a private bank based out of Salt Lake City, Utah and founded in 2001. It specializes in financing small business and has been one of largest Small Business Administration (SBA) lender in the United States since 2013. This bank offers a variety of credit card options for personal and business use regardless of an applicant’s credit score. Browse credit cards below.

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Deserve® EDU

No Deposit Required. No Annual Fees

Deserve® EDU
  • Regular Purchase APR 18.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 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
Rates & Fees
  • 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
Credit Card Deals

Indigo® Platinum Mastercard®

Choose Your Own Card Design

Indigo® Platinum Mastercard®
  • Regular Purchase APR 24.9%
  • Cash Advance APR 29.9%
  • Annual Fee $0 to $99 depending on the card issued
  • Credit Needed Poor
  • Processing Network Mastercard
Best Benefits
  • 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
Rates & Fees
  • 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
Credit Card Deals

Surge Mastercard® Credit Card

All Credit Types Welcome to Apply

Surge Mastercard® Credit Card
  • Regular Purchase APR See Terms*
  • Cash Advance APR See Terms*
  • Annual Fee See Terms*
  • Credit Needed Fair , Poor
  • Processing Network Mastercard
Best Benefits
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Free access to your Vantage 3.0 score from Experian* (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
  • Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required
Rates & Fees
  • 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*
Credit Card Deals

Reflex Mastercard® Credit Card

All Credit Types Welcome to Apply

Reflex Mastercard® Credit Card
  • Regular Purchase APR See Terms*
  • Cash Advance APR See Terms*
  • Annual Fee See Terms*
  • Credit Needed Good , Fair , Poor
  • Processing Network Mastercard
Best Benefits
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Free access to your Vantage 3.0 score from Experian* (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
  • Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
Rates & Fees
  • 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*
Credit Card 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.

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 900 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!