Celtic Bank Credit Cards
Celtic Bank is located in Salt Lake City, Utah, and opened its doors in 2001. The bank offers cards to build your credit score and cards designed for students. If you need a basic credit card, Celtic Bank has got you covered!
ReflexĀ® Platinum MastercardĀ®
If you have a low credit score and need a card, the ReflexĀ® Platinum MastercardĀ® is for you. Celtic Bank will report all your transactions to the three major credit bureaus ā Equifax, Experian, and TransUnion, making it ideal for building credit. It has a maximum credit limit of $1,000. You can apply to double this limit after six months. This card falls under MastercardĀ® Zero Fraud Liability, protecting you from unauthorized charges.
If youāre low on funds and need to build your credit score, the Reflex MastercardĀ® is a good match for you.
Deserve EDU
The Deserve EDU is the perfect match for students. The card offers up to $600 in phone protection that covers both theft and damage. You can earn 1% cashback on all purchases with this card! Card owners will also get a year membership of Amazon Student Prime (you have to spend $500 within the first 3 months and use the card to purchase a subscription).
Every student can benefit from the Deserve EDU. International students can qualify for this card because it doesnāt require a social security number. This card is also great for traveling because it has no foreign transaction fees.
SurgeĀ® Platinum MastercardĀ®
When you need to build your credit score, you should consider the SurgeĀ® Platinum MastercardĀ®. The pre-application process only takes a couple of minutes and wonāt affect your credit score. Your transaction history is reported to all three major credit bureaus, making it ideal for building your credit score. You can use the SurgeĀ® Platinum MastercardĀ® in all establishments that accept MastercardĀ®.
The SurgeĀ® Platinum MastercardĀ® is the perfect credit-building tool. This card is intended for people looking to rebuild their credit score.
SurgeĀ® Platinum Secured MastercardĀ®
The SurgeĀ® Platinum Secured MastercardĀ® is the SurgeĀ® Platinum MastercardĀ® with additional benefits! It comes with cashback rewards. It also has a pain-free application process that takes less than 10 minutes. The SurgeĀ® Platinum Secured MastercardĀ® requires you to pay a security deposit that becomes your credit limit.
This card pairs well with people looking to increase their credit score. The SurgeĀ® Platinum Secured MastercardĀ® is a better option than other cards on offer due to its more reasonable annual and monthly fees.
Side-by-Side Comparison of Celtic Credit Cards
| Card Name
| APR
| Annual fee
| Rewards
| Intro offer
|
|---|
| ReflexĀ® Platinum MastercardĀ®
| 35.90% Variable
| $125
| This card doesn't offer cash back, miles or points. | No current offer. |
| Deserve EDU
| 22.99% Variable
| $0
| 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases. | No current offer. |
| SurgeĀ® Platinum MastercardĀ®
| 35.90% Variable
| $99
| This card doesn't offer cash back, miles or points. | No current offer. |
| SurgeĀ® Platinum Secured MastercardĀ®
| 19.99% Variable
| $69
| 1% Cash Back rewards for each $1 spent using your Surge Mastercard. | No current offer. |
| The Ownerās Rewards Card by M1
| 17.99% - 27.99% Variable
| $95
| 10% Youāll get up to 10% Cash Back with select brands you hold in an eligible portfolio.1.5% Cash Back on everything else. | No current offer. |
| DeserveĀ® PRO Mastercard
| 18.24% - 25.24% Variable
| $0
| 3% Cash Back on travel.2% Cash Back on restaurants.1% Cash Back on everything else. | No current offer. |
| Notre Dame PRO
| 18.24% - 25.24% Variable
| $0
| 3% Cash Back on travel & entertainment.2% Cash Back on restaurants.1% Cash Back on all other purchases. | $99 To receive your complimentary one-year membership to Priority Passā¢ Select (valued at $99), use your Deserve Pro Mastercard to make $1,000 of purchases in the first 90 days after your account is activated, or if you are already an existing cardholder, in the first 90 days after the initial date that your invitation for this offer was sent. |
| NJIT EDU
| 20.99% Variable
| $0
| 1% Cash Back on all purchases. | No current offer. |
| Notre Dame EDU
| 20.99% Variable
| $0
| 1% Cash Back on all purchases. | No current offer. |
| NJIT PRO
| 18.24% - 25.24% Variable
| $0
| 3% Cash Back on travel.2% Cash Back on restaurants.1% Cash Back on all other purchases. | No current offer. |
| The Card by Seneca Women
| 21.24% - 28.24% Variable
| $0
| 3% Cash Back on purchases from women-owned businesses listed in the Seneca Women Marketplace. The card's 3% and 2% rewards are capped at a total spend of $500 per month.2% Cash Back on cardholdersā top monthly spending category. The card's 3% and 2% rewards are capped at a total spend of $500 per month.1% Cash Back on all other purchases. | No current offer. |
How to Choose the Right Celtic Bank Credit Card?
You need to pick the right credit card that fits your needs. The Deserve EDU is for students looking for their first credit card. The card comes with a lot of benefits and has relatively small charges. The SurgeĀ® Platinum Secured MastercardĀ® is a great match for people who want to build their credit. It features better rates than the other credit-building cards and includes cashback options. Everyone needs a credit card that matches their needs, and Celtic Bank has a variety of options.
How to Make the Most Out of the Celtic Bank Credit Cards?
To get the biggest bang for your buck with Celtic Bankās credit cards, you need to take full advantage of their benefits. Take, for example, the Deserve EDU. It comes with a free Amazon Student Prime subscription if you spend $500 in your first three billing cycles. So make sure you spend that amount to avail of the free subscription. For credit cards that have cashback, make sure to use your credit card for all your purchases.
Are Celtic Bank Credit Cards Worth it?
The short answer is: yes. Most Celtic Bank credit cards are designed for improving your credit score. If you pay your bills on time and make use of your Celtic Bank credit card, you will gradually build up your credit score.
FAQ
What credit cards are issued by Celtic Bank?
Besides the credit cards mentioned in this article, Celtic Bank issues such cards as Deserve Pro, Deserve Digital Plus, and Grand Deserve, to name a few. Many of Celtic Bankās credit cards are designed for people with
poor credit score. There are also some options for students, like Deserve EDU and others.
Where can I apply to Celtic Bank credit cards?
Even though Celtic Banks issues mentioned credit cards, they all are serviced by other companies, including Continental Finance Company (ReflexĀ® Platinum MastercardĀ® and SurgeĀ® Platinum MastercardĀ®), and Deserve (all others). So you wonāt find the application form on Celtic Bankās official website. However, you can apply for a Celtic Bank credit card directly on the Myfin.us website by clicking the āApply nowā button.
Is Celtic Bank a legitimate bank?
Yes, it is a privately owned bank located in Salt Lake City, Utah. It is known for being a small business administration bank that specializes in loans for small businesses. It was the 8th largest SBA lender in the USA in 2014.
How do I contact customer service for my credit card?
