Card
Network

Mastercard®
Bank

Celtic Bank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Unsecured
Credit
Recommended

Bad/Poor/Fair
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

Less than perfect credit is okay

CARD DETAILS

  • Now with higher credit limits
  • Increase your access to available credit
  • Higher limit than before, still no security deposit required!
  • Greater access to credit than before
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Account history is reported to the three major credit bureaus in the U.S.
+ Pros
  • Credit bureau reporting.
  • No security deposit required.
  • Mobile account access.
- Cons
  • Annual fee.

PURCHASES

Intro
APR

N/A
Ongoing
APR

35.9%
Penalty
APR

See Terms
Minimum Grace
Period

25 days
Minimum Interest
Charge

$0.50

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

N/A
Balance Transfer
Fee

N/A
Penalty
APR

N/A
Minimum Grace
Period

N/A

CASH ADVANCE

Intro
APR

5%
Ongoing
APR

35.9%
Cash Advance
Fee

$5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100)
Penalty
APR

See Terms
Minimum Grace
Period

See terms

GENERAL FEES

Application Processing
Fee

See terms
Annual
Fee

$175 - $199
Foreign Transaction
Fee

1% of each transaction.
Late Payment
Fee

Up to $41
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