USES

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
Advertiser Disclosure Our Methodology
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The Owner’s Rewards Card by M1 Celtic Bank
Apply now
On Celtic Bank‘s site
Our Rating:
3.91 out of 5
scorer
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
Show more

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On Celtic Bank‘s site

Celtic Bank The Owner’s Rewards Card by M1 Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
10%
Selected merchants
$
1.5%
All other purchases
$
Calculate
Show less details

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
  • Return Payment
    • Up to $37
  • Late Payment
    • Up to $25
View all Rates & Fees

Pros & Cons

Pros:
  • No Foreign Transaction Fee
  • High rewards rate
Cons:
  • No Intro APR period
  • $95 annual fee (for non-plus members)

Features

Classic
Visa
Contactless
  • No foreign transaction fees
  • Cashback
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • Good Credit
  • Excellent Credit

About the issuer

Celtic Bank
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 Service

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Recommended credit score
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    Regular APR
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Recommended credit score
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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.

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