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Celtic Bank Credit Cards


Below are credit cards that Celtic Bank issues on behalf of others.

Reflex Mastercard

reflex mastercard


KEY FEAUTURES

The Reflex Mastercard is marketed by Continental Finance and issued by Celtic Bank. It starts you off with a credit limit ranging from $300 to $1,000. The card has two key features. The first is that your credit limit will double after paying the first 6 months on time. That means your credit limit after 6 months will ranging from $600 to $2,000. The second key feature is that their fees and rates vary. That means that if you have credit scores in the upper range of the "bad credit spectrum" (around 650), you are likely to get a card with lower fees and higher credit limits. If your credit score and profile are at the lower range of the "bad credit spectrum", then expect to pay higher fees and get a lower credit limit.

Reflex also provides a free Vantage 3.0 score from Experian and has a mobile app. They also offer a pre-approval soft pull process with no impact on your credit score.

SHORTCOMINGS

Those with credit scores and profile at the lower end of the bad credit range will get terms with higher fees and rates.

KEY TERMS

Annual Fee - $75 - $99
Monthly Fee - None during first year, then $0 - $10 a month
Regular APR - 24.99% - 29.99%
Foreign Transaction Fee - 0% - 3%

Read our review of the Reflex Mastercard


Reflex Mastercard

surge mastercard


KEY FEAUTURES

The Surge Mastercard (like the Reflex Mastercard) is also marketed by Continental and issued by Celtic Bank. In fact, they are nearly identical compared to the Reflex credit card. It has an identical range of fees and rates and starting credit limit of between $300 and $1,000, which also doubles after paying on time for 6 months. Those with credit scores in the mid 600 range are likely to get lower fees and rates and a $1,000 starting credit limit. Those with credit scores and profile in the low 500 range should expect to pay both an annual fee and monthly fee and also likely get a $300 starting credit limit.

Surge also provides a free Vantage 3.0 score from Experian and has a mobile app. They also offer a pre-approval soft pull process with no impact on your credit score.

SHORTCOMINGS

Those with credit scores and profile at the lower end of the bad credit range will get terms with higher fees and rates.

KEY TERMS

Annual Fee - $75 - $99
Monthly Fee - None during first year, then $0 - $10 a month
Regular APR - 24.99% - 29.99%
Foreign Transaction Fee - 0% - 3%

Read our review of the Surge Mastercard


Indigo Mastercard

citi double cash


KEY FEAUTURES

The Indigo Mastercard is marketed by Genesis Financial Services and issued by Celtic Bank. This card is targeted at those with bad credit and it is one of the few cards in this space that charges only an annual fee and does not charge any monthly fee. The starting limit is $300. Indigo allows you to go through a pre-approval soft inquiry process which does not impact your credit score.

SHORTCOMINGS

The starting credit limit of $300 will not increase so cardholders will have $300 limit for as long as they have the card. There is also no mobile app or features like free credit scores.

KEY TERMS

Annual Fee - $0 - $99
Monthly Fee - $0
Regular APR - 24.90%
Foreign Transaction Fee - 1%

Read our review of the Indigo Mastercard


Deserve EDU

citi double cash


KEY FEAUTURES

The Deserve EDU is primarily a card fro international students arriving in the US. As they are unlikely to have a SSN, they can apply for this card without one. US students can also apply though they do need their SSN to apply. This card features a 1% cash back program, cell phone protection program of up to $600 in damages and also has no foreign transaction fee.

SHORTCOMINGS

Deserve EDU does not allow cash advances or balande transfers

KEY TERMS

Annual Fee - $0
Monthly Fee - $0
Regular APR - 18.74%
Foreign Transaction Fee - 0%

Read our review of the Deserve EDU