The Owner’s Rewards Card by M1 from Celtic Bank Review
The Owner’s Rewards Card by M1 from Celtic Bank — all information about the credit card.
Updated November 25, 2022
Apply now
Apply now
On Celtic Bank‘s site
Recommended credit score
Good to Excellent (670-799)
- Rewards Rate:
- 10% You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
- 1.5% Cash Back on everything else.
- Intro Offer:
- No current offer.
- Annual Fee:$0 annually (for active M1 Plus customers)
$95 annually - Purchase Intro APR:None
- Regular APR:17.99% - 27.99% Variable
- Balance Transfer APR:None
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Celtic Bank The Owner’s Rewards Card by M1 Rewards Calculator
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All benefits
- Cash back
- 10% You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
- 1.5% On everything else.
Rate and fee information
- Purchase Intro APR
- None
- Purchase APR
- 17.99% - 27.99% Variable
- Intro Balance Transfer APR
- None
- Balance Transfers APR
- None
- APR for Cash Advances
- None
- How to Avoid Paying Interest
- Your due date is at least 23 days after the close of each billing cycle. You will not be charged interest on purchases if you pay your entire balance by the due date each month.
Fees
- Annual Fee
- $0 annually (for active M1 Plus customers)
$95 annually
- $0 annually (for active M1 Plus customers)
- Return Payment
- Up to $37
- Late Payment
- Up to $25
Pros & Cons
Pros:
- No Foreign Transaction Fee
- High rewards rate
Cons:
- No Intro APR period
- $95 annual fee (for non-plus members)
Features
- No foreign transaction fees
- Cashback
- Payment Flexibility
- Fraud Protection
- Rewards
- Purchase Protection
- Good Credit
- Excellent Credit
About the issuer
Celtic Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's website
Call to Customer ServiceCompare with other cards
Low income
First Access Visa® Card
Recommended credit score
No Credit History to Fair (0-669)
- $75.00 for the 1st year, $48.00 afterAnnual Fee
- 35.99%Regular APR
- 1%Earn 1% cash back rewards on payments made to your First Access Credit Card.
- NonePurchase Intro APR
Apply now
On the First Access Visa® Card secure website
First Progress Platinum Select Mastercard® Secured Credit Card
Recommended credit score
No Credit History to Fair (0-669)
- $39Annual Fee
- 18.24%Regular APR
- 1%Cash Back on payments made to your First Progress Secured credit card account.
- NonePurchase Intro APR
Apply now
On First Progress’s site
Unsecured
Destiny® Mastercard®
First Electronic Bank
Recommended credit score
No Credit History to Fair (0-669)
- *see terms*Annual Fee
- 35.9%Regular APR
- This card doesn't offer cash back, miles or points.
- NonePurchase Intro APR
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See Another Credit Cards in the Bank
Celtic Bank The Owner’s Rewards Card by M1 is an option for those, who need Classic features. With an APR of 17.99% - 27.99% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Celtic Bank The Owner’s Rewards Card by M1 you will get such features as No foreign transaction fees, Cashback, Payment Flexibility, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.