Which Credit Cards Are Issued by Celtic Bank?

Celtic Bank issues several credit cards through partner companies, including the Indigo Mastercard, Surge Platinum Mastercard, and Reflex Platinum Mastercard. These unsecured cards are marketed to consumers who may be building or rebuilding credit. Their offers differ in credit limits, annual fees, and other terms, so comparing the specific card offer is important before applying.

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What Is Celtic Bank?

Celtic Bank is a Utah-based bank that issues credit cards through partnerships with companies that market and service the accounts. For example, Celtic Bank issues the Indigo Mastercard, while Concora Credit services the account. Celtic Bank also issues the Surge and Reflex Mastercards, which are serviced by Continental Finance.

This distinction matters if you see Celtic Bank on your credit card, cardholder agreement, or account documents. The bank is the issuer, while the name displayed on the card or the company you contact for account servicing may be different.

Which Celtic Bank Credit Cards Can You Get?

The following offers include three card brands and four options available through our affiliate links. Credit limits, fees, and eligibility depend on the particular offer and its terms.

1. Indigo Mastercard for Less Than Perfect Credit

The Indigo Mastercard is an unsecured credit card for consumers with less-than-perfect credit. It does not require a security deposit, and account activity is reported to the three major credit bureaus. Two offers are listed below, each with a different advertised starting credit limit.

• $700 credit-limit offer: Advertises a $700 credit limit if approved, a $175 annual fee for the first year, and $49 annually thereafter. The advertised regular APR is 35.90%.
• $1,000 credit-limit offer: Advertises a $1,000 credit limit if approved. The annual fee and other pricing details are subject to the terms of this offer, and the advertised regular APR is 35.90%.

Both offers state that applying will not affect your credit score if you are not approved. Review the disclosures for the specific offer before proceeding.

➤ Check the Indigo Mastercard $700 Offer

➤ Check the Indigo Mastercard $1,000 Offer

2. Surge Platinum Mastercard

The Surge Platinum Mastercard is an unsecured card marketed to people looking to rebuild their credit. The advertised offer provides an initial credit limit of up to $1,000, monthly reporting to the three major credit bureaus, and the ability to check for prequalification without affecting your credit score.

• Annual fee: $75 to $125, according to the offer information provided.
• Regular APR: 35.90% fixed.
• Security deposit: None required.

The actual credit limit, fees, and approval decision depend on the offer and the applicant's qualifications. Review the terms before accepting an offer.

➤ Check Surge Mastercard Prequalification

3. Reflex Platinum Mastercard

The Reflex Platinum Mastercard is another unsecured credit card issued by Celtic Bank and serviced by Continental Finance. Like the Surge card, it is marketed to consumers who want to establish or rebuild credit without providing a security deposit.

• Initial credit limit: Up to $1,000, according to the advertised offer.
• Annual fee: $75 to $125, according to the offer information provided.
• Regular APR: 35.90% fixed.
• Credit bureau reporting: Monthly reporting to the three major credit bureaus is advertised.

Reflex offers prequalification with no impact to your credit score, according to the supplied offer details. Prequalification does not guarantee approval, and the final terms depend on the offer and the applicant.

➤ Check Reflex Mastercard Prequalification

Are Celtic Bank Credit Cards Good for Building Credit?

These cards may be worth considering if you need an unsecured credit card and have difficulty qualifying for other options. Their reported payment history can help establish a record of credit use, but opening a card does not guarantee a higher credit score. Making payments on time, keeping balances low, and managing other credit accounts responsibly remain important.

Before choosing a card, compare the annual fee, any monthly or other account fees, APR, credit limit, and the cost of carrying a balance. A high APR can make borrowing expensive, and fees can reduce the amount of available credit you can use. If you can qualify for a card with lower fees or a lower interest rate, compare that option as well.

Does Celtic Bank Approve People With Bad Credit?

Approval depends on the card, the applicant's credit history, income, debts, and other eligibility requirements. Indigo, Surge, and Reflex are marketed to consumers with less-than-perfect credit, but none guarantees approval for everyone. Check whether the offer includes a prequalification process and read the terms to understand what happens if you proceed to a full application.

How Do You Know if Celtic Bank Issued Your Credit Card?

Check your cardholder agreement, billing statement, or the information on the back of your card. These documents identify the issuing bank and can help you distinguish the bank from the card brand or account servicer. If you have an Indigo, Surge, or Reflex Mastercard, Celtic Bank is identified as the issuer for these products.

Compare Celtic Bank Credit Card Offers

Celtic Bank issues cards through different partner companies, and each card has its own eligibility rules, pricing, and features. The Indigo, Surge, and Reflex offers discussed here are unsecured options marketed to consumers who may be building or rebuilding credit. Compare the exact terms of each offer before deciding which one, if any, is right for you.

View Celtic Bank credit card offers to browse the available cards and compare your options.

The Ollo Everyday Rewards card is worth considering if you have bad to good credit and want a credit card with no annual fee and cash-back rewards on everyday purchases. You can see if you're pre-approved with no impact to your credit score.