Celtic Bank Credit Cards

We found 10 Celtic Bank credit cards. Read on to get more insights.

By Hanna Volkava
Updated September 01, 2023

Best Credit Cards in September 2023

Hide all
Show all

Celtic Bank SurgeĀ® Platinum MastercardĀ® best for Walmart purchases

Apply now
Celtic Bank SurgeĀ® Platinum MastercardĀ®
Annual fee:
$75 - $99 annually
$99 annually
Regular APR:
24.99% - 29.99% Variable
Our Rating:
3.2
scorer
Credit score
No Credit History to Poor (0-579)
    • Issuer name:
      Celtic Bank
    • Details:

      The SurgeĀ® Platinum MastercardĀ® credit card's APR range from 24.99% to 29.99%, based on creditworthiness.

      The SurgeĀ® Platinum MastercardĀ® has an annual fee of $75 to $99 (after that $99 annually).

      Thereā€™s also an additional one-time card fee of $30, if applicable. The card has a cash advance fee of 5 percent of the cash advance amount or $5, whichever is greater.

      This unsecured credit card can be used as an effective tool to build credit as the issuer reports your monthly payments to the three major credit bureaus ā€” TransUnion, Experian, Equifax.

      Read full review

    • Pros:
      • Monthly Credit Reporting
      • Free Monthly Credit Score
      • Potential Credit Limit Increase After 6 Months
      • Prequalification Without a Hard Check
    • Cons:
      • High Annual Fee
      • Relatively Low Credit Limit
      • Foreign Transaction Fee
      • Monthly Maintenance Fee After the 1st year
      • High APR
    • Benefits:
      • $0 Fraud Liability;
      • Monthly reporting to the three major credit bureaus;
      • Possible credit limit increase after just six months;
      • Free Monthly Credit Score.
    View all SurgeĀ® Platinum MastercardĀ® details
    Apply now
    On Celtic Bankā€˜s site
    Card detail

    Celtic Bank ReflexĀ® Platinum MastercardĀ® best for Unsecured

    Apply now
    ReflexĀ® Platinum MastercardĀ®ā€‹ Celtic Bank
    Annual fee:
    $75 - $99 for the first year
    $99 after the first year
    Regular APR:
    29.99% Variable
    Our Rating:
    3.8
    scorer
    Credit score
    No Credit History to Good (0-739)
      • Issuer name:
        Celtic Bank
      • Details:

        The ReflexĀ® Platinum MastercardĀ® can be used as an effective tool to build credit. The card has an APR of 29.99% (Variable).

        With $0 Fraud Liability you will not be held responsible for unauthorized charges on your Reflex credit card. With zero fraud liability you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected.

        Monthly Maintenance Fee: $0 - $120.00 annually (billed at $0 - $10.00 per month). Monthly Maintenance Fee not billed for the first 12 months your account is opened. Additional Card Fee is $30.00 (one time, if applicable).

        Read full review

      • Pros:
        • Chance to get a higher credit limit
        • All credit scores are welcome to apply
        • Reports to three bureaus
        • Check if you prequalify without affecting your credit score
        • No deposit required
      • Cons:
        • No rewards
        • High Regular APR
        • High annual fee
        • Monthly maintenance fee
        • Additional card fee
        • Foreign transaction fee
      • Benefits:
        • $0 Fraud Liability;
        • Potential Credit Limit Increase After Just 6 Months;
        • Free Monthly Credit Score;
        • Monthly Reporting to All Three Major Credit Bureaus;
        • Credit Protection program.
      View all ReflexĀ® Platinum MastercardĀ® details
      Apply now
      On Celtic Bankā€˜s site
      Card detail
      Apply now
      The Ownerā€™s Rewards Card by M1 Celtic Bank
      Annual fee:
      $0 annually (for active M1 Plus customers)
      $95 annually
      Regular APR:
      17.99% - 27.99% Variable
      Our Rating:
      3.91
      scorer
      Credit score
      Good to Excellent (670-799)
      • Rewards Rate:
        • 10% Youā€™ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
        • 1.5% Cash Back on everything else.
      • Issuer name:
        Celtic Bank
      • Details:

        The Ownerā€™s Rewards Card by M1 earns up to 10% Cash Back on purchases with eligible brands. All other spending earns 1.5% Cash Back.

        Spend $4,000 with your new Ownerā€™s Rewards credit card in the first 90 days and earn a $300 statement credit.

        The Ownerā€™s Rewards Card by M1 comes with a $95 annual fee (the fee is waived for Plus members).

        Read full review

      • Pros:
        • No Foreign Transaction Fee
        • High rewards rate
      • Cons:
        • No Intro APR period
        • $95 annual fee (for non-plus members)
      • Benefits:
        • Up to 10% Cash Back on purchases with eligible brands;
        • 1.5% Cash Back on everything else;
        • VisaĀ® Zero Liability.
      View all The Ownerā€™s Rewards Card by M1 details
      Apply now
      On Celtic Bankā€˜s site
      Card detail

      Celtic Bank Deserve EDU best for Cash Back, Without SSN, Student

      Deserve EDU Celtic Bank
      Annual fee:
      $0
      Regular APR:
      22.99% Variable
      Our Rating:
      3.5
      scorer
      Credit score
      No Credit History to Excellent (0-799)
      • Rewards Rate:
        • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
      • Issuer name:
        Celtic Bank
      • Details:

        The Deserve EDU Card makes it easy for students to start building credit.

        The Card's APR is 22.99% (Variable APR). The late payment is up to $25, while the returned payment is up to $37. Balance transfers and cash advances are not available.

        Students who make purchases totaling $500 within the first three statement cycles of card membership qualify to have their Amazon Prime Student subscription reimbursed (a $59 value).

        Students spend a significant amount on school supplies, textbooks and gear each year, and the Deserve EDU Mastercard can earn Cash Back on all of these purchases.

        Read full review

      • Pros:
        • No prior credit history required
        • No SSN Required
        • No Annual Fee
        • No
        • Transactions Fees
        • No Co-Signer/ Deposit Required
      • Cons:
        • Relatively High APR
        • Fairly Low Rewards
        • Only for Students
      • Benefits:
        • Cellphone Protection;
        • Collision Damage Waiver;
        • Concierge Service;
        • No International Transaction Fees;
        • Priority Passā„¢ Membership;
        • Mastercard Benefits;
        • No Social Security Number required for international students to apply.
      Card detail
      SurgeĀ® Platinum Secured MastercardĀ® Celtic Bank
      Annual fee:
      $69 annually
      Regular APR:
      19.99% Variable
      Our Rating:
      3.3
      scorer
      Credit score
      No Credit History to Poor (0-579)
      • Rewards Rate:
        • 1% Cash Back rewards for each $1 spent using your Surge Mastercard.
      • Issuer name:
        Celtic Bank
      • Details:

        The SurgeĀ® Platinum Secured MastercardĀ® is a credit card designed for people with poor credit or none at all. The card earns 1% Cash Back rewards.

        The card's APR: 19.99% (Variable).

        The SurgeĀ® Platinum Secured MastercardĀ® has an annual fee of $69. Thereā€™s also an additional one-time card fee of $30 (if applicable). Plus, the card has a foreign transaction fee of 3%.

        Read full review

      • Pros:
        • Cash Back rewards
        • Free automatic account reviews for credit limit increases
      • Cons:
        • Annual Fee
        • Foreign Transaction Fee
        • No welcome bonus
        • No Intro APR offer
      • Benefits:
        • 1% Cash Back Rewards;
        • Potential Credit Limit Increase;
        • Report to All 3 Major Credit Bureaus.
      Card detail
      Celtic Bank Notre Dame PRO
      Annual fee:
      $0
      Regular APR:
      18.24% - 25.24% Variable
      Our Rating:
      3.46
      scorer
      Credit score
      Good to Excellent (670-799)
      • Rewards Rate:
        • 3% Cash Back on travel & entertainment.
        • 2% Cash Back on restaurants.
        • 1% Cash Back on all other purchases.
      • Intro Offer:
        • $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.
      • Issuer name:
        Celtic Bank
      • Details:

        The Celtic Bank Notre Dame PRO Credit Card earns 3% Cash Back on travel & entertainment, 2% Cash Back on restaurants and 1% Cash Back on everything else.

        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. Purchases do not include items returned for credit, or interest and account fees.

        The Notre Dame PRO Card doesn't charge an annual fee. The APR for purchases is 18.24% - 25.24% Variable.

      • Pros:
        • No Annual Fee
        • No Foreign Transaction Fee
      • Cons:
        • Balance transfers and cash advances are not available
      • Benefits:
        • Priority Passā„¢ Membership;
        • 3% Cash Back on travel & entertainment;
        • 2% Cash Back on restaurants;
        • 1% Cash Back on everything else;
        • Cellphone Protection;
        • Collision Damage Waiver.
      Card detail
      Celtic Bank NJIT EDU
      Annual fee:
      $0
      Regular APR:
      20.99% Variable
      Our Rating:
      1.7
      scorer
      Credit score
      No Credit History to Poor (0-579)
      • Rewards Rate:
        • 1% Cash Back on all purchases.
      • Issuer name:
        Celtic Bank
      • Details:

        The Celtic Bank NJIT EDU Credit Card is a no annual fee student card. The Card earns 1% Cash Back on all purchases.

        The NJIT EDU Card doesn't charge an annual fee. The APR for purchases is 20.99% Variable.

      • Pros:
        • No Foreign Transaction Fee
        • No Annual Fee
      • Cons:
        • Balance transfers and cash advances are not available
        • No welcome bonus
      • Benefits:
        • 1% Cash Back on all purchases;
        • Cellphone Protection up to $600;
        • Collision Damage Waiver;
        • Mastercard ID Theft Protectionā„¢;
        • Mastercard Global Service.
      Card detail
      Celtic Bank Notre Dame EDU
      Annual fee:
      $0
      Regular APR:
      20.99% Variable
      Our Rating:
      1.7
      scorer
      Credit score
      Fair to Good (580-739)
      • Rewards Rate:
        • 1% Cash Back on all purchases.
      • Issuer name:
        Celtic Bank
      • Details:

        The Celtic Bank Notre Dame EDU Credit Card earns 1% Cash Back on all purchases. Use your Deserve EDU card to sign up for an Amazon Prime Student subscription and get reimbursed up to a life-time total of $69.

        The Notre Dame EDU Card doesn't charge an annual fee. The APR for purchases is 20.99% Variable.

      • Pros:
        • No Annual Fee
        • No Foreign Transaction Fee
      • Cons:
        • Balance transfers and cash advances are not available
      • Benefits:
        • 1% Cash Back on all purchases;
        • Amazon Prime Student;
        • Cellphone Protection;
        • Collision Damage Waiver;
        • Mastercard ID Theft Protectionā„¢;
        • Mastercard Airport Conciergeā„¢.
      Card detail
      Celtic Bank NJIT PRO
      Annual fee:
      $0
      Regular APR:
      18.24% - 25.24% Variable
      Our Rating:
      3.46
      scorer
      Credit score
      Fair to Good (580-739)
      • Rewards Rate:
        • 3% Cash Back on travel.
        • 2% Cash Back on restaurants.
        • 1% Cash Back on all other purchases.
      • Issuer name:
        Celtic Bank
      • Details:

        The NJIT PRO Credit Card is a co-branded card from Deserve and Celtic Bank.

        The Card earns 3% Cash Back on travel, 2% Cash Back on restaurants and 1% Cash Back on all other purchases.

        The NJIT PRO Card doesn't charge an annual fee.

        The APR for purchases is 18.24% - 25.24% Variable.

      • Pros:
        • No Annual Fee
        • No Foreign Transaction Fee
      • Cons:
        • Balance transfers and cash advances are not available
      • Benefits:
        • 3% Cash Back on travel;
        • 2% Cash Back on restaurants;
        • 1% Cash Back on all other purchases;
        • Cellphone Protection up to $600;
        • Mastercard ID Theft Protectionā„¢;
        • Mastercard Airport Conciergeā„¢;
        • Mastercard Global Service.
      Card detail
      Celtic Bank The Card by Seneca Women
      Annual fee:
      $0
      Regular APR:
      20.24% - 27.24% Variable
      Our Rating:
      3.4
      scorer
      Credit score
      Good to Excellent (670-799)
      • Rewards Rate:
        • 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.
      • Issuer name:
        Celtic Bank
      • Details:

        The Card by Seneca Women from Celtic Bank earns 3% Cash Back on purchases from women-owned businesses listed in the Seneca Women Marketplace, 2% Cash Back on cardholdersā€™ top monthly spending category and 1% Cash Back on all other purchases. The card's 3% and 2% rewards are capped at a total spend of $500 per month.

        The Card doesn't charge an annual fee. The APR for purchases is 20.24% - 27.24% Variable.

      • Pros:
        • No Annual Fee
        • No Foreign Transaction Fee
      • Cons:
        • Balance transfers and cash advances are not available
      • Benefits:
        • 3% Cash Back on purchases from women-owned businesses listed in the Seneca Women Marketplace;
        • 2% Cash Back on cardholdersā€™ top monthly spending category;
        • 1% Cash Back on all other purchases.
      Card detail

      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 youā€™re 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 doesnā€™t 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 wonā€™t 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® 29.99% Variable $99
    • 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® 24.99% - 29.99% 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 Ownerā€™s Rewards Card by M1 17.99% - 27.99% Variable $95
    • 10% Youā€™ll 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 20.24% - 27.24% 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 Bankā€™s 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 Bankā€™s 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 wonā€™t find the application form on Celtic Bankā€™s official website. However, you can apply for a Celtic Bank credit card directly on the Myfin.us website by clicking the ā€œApply 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?

      (866) 449-4514 for the ReflexĀ® Platinum MastercardĀ®, (800) 418-2362 for the Deserve EDU, and (866) 449-4514 for both Surge MastercardsĀ®.
      Hanna VolkavaHanna Volkava

      Financial and product expert

      hv@myfin.us