Advertiser Disclosure Editorial Disclosure

Celtic Bank

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.

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

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
  • 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
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*

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
  • 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
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*

 

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

Milestone® Gold Mastercard®

No Credit Score Impact When You Apply

Milestone® Gold Mastercard®
  • Regular Purchase APR 24.9%
  • Cash Advance APR 29.9%
  • Annual Fee $35 to $99
  • Credit Needed Poor
  • Processing Network Mastercard
Best Benefits
  • Choose your custom card design
  • Free 24/7 online account access
  • Quick pre-qualification with no impact to credit score
  • Mastercard® Gold Benefits
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: $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

Read the First Access Solid Black Visa Card Review

First Access Solid Black VISA® Credit Card

Raise Credit with Monthly Activity Reporting

First Access Solid Black VISA® Credit Card
  • Regular Purchase APR See Terms
  • Cash Advance APR See Terms
  • Annual Fee See Terms
  • Credit Needed Fair , Poor
  • Processing Network Visa
Best Benefits
  • 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)
Rates & Fees
  • 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
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Browse the Best Credit Cards for Bad Credit of 2020

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!