Card
Network

Mastercard
Bank

Celtic Bank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Unsecured
Credit
Recommended

Good/Excellent
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

Earn 50,000 bonus points when you spend $3,000 on purchases in the first 3 months after account opening.

CARD DETAILS

  • Earn 50,000 bonus points when you spend $3,000 on purchases in the first 3 months after account opening.
  • Earn 5x points per dollar at more than 400 wineries, wine clubs, and other Grand Reserve Partners
  • Earn 3x points per dollar at any other winery, wine store, liquor store, restaurant, or bar
  • Earn 2x points per dollar everywhere else
  • Earn an additional 2 point per dollar bonus at your top wine merchant each month
  • Redeem your points from our sommelier-curated catalog of more than 450 products and experiences for the discerning wine lover
  • Receive discounts and upgrades at hundreds of wineries with your complimentary Priority Wine Pass membership
  • Includes a sleek, premium metal card and access to exclusive cardholder events
  • 1% of our revenue is donated to tackling climate change with 1% For the Planet
  • $0 annual fee for the first year, then $149
  • No foreign exchange fee
  • Purchase APR: Variable interest rate ranging from 14.99 - 22.99% (based on current prime rate of 3.25%), depending on applicant's credit
+ Pros
  • Point rewards on wine purchases.
  • No foreign transaction fees.
  • Premium metal card.
- Cons
  • High annual fee.

PURCHASES

Intro
APR

N/A
Ongoing
APR

14.99 - 22.99% Variable
Penalty
APR

See terms
Minimum Grace
Period

See terms
Minimum Interest
Charge

See terms

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

N/A
Balance Transfer
Fee

See terms
Penalty
APR

See terms
Minimum Grace
Period

See terms

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

N/A
Cash Advance
Fee

See terms
Penalty
APR

See terms
Minimum Grace
Period

See terms

GENERAL FEES

Application Processing
Fee

See terms
Annual
Fee

$0 annual fee for the first year, then $149
Foreign Transaction
Fee

No
Late Payment
Fee

See terms
Card Overall Rating
APPLY
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