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  Celtic Bank Deserve® Classic Card

Celtic Bank Deserve® Classic Card

in Personal Credit Cards from Celtic Bank

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Celtic Bank Deserve® Classic Card

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in Personal Credit Cards from Celtic Bank

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Highlights
Purchase APR  (Variable APR) 23.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 600 - 850
Annual Fee $0

Celtic Bank Deserve® Classic Card Review

Celtic Bank Deserve® Classic Card is a cashback credit card issued by Celtic Bank. If you're wondering whether Celtic Bank Deserve® Classic Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 23.99%
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Celtic Bank Deserve® Classic Card Pros & Cons
The Good The Bad
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Celtic Bank Deserve® Classic Card is accepted.
  • Celtic Bank Deserve® Classic Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.
Celtic Bank Deserve® Classic Card FAQ

Is there a Celtic Bank Deserve® Classic Card cash back or rewards program?

Celtic Bank Deserve® Classic Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.

Celtic Bank Deserve® Classic Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Celtic Bank Deserve® Classic Card have a signup bonus?

Celtic Bank Deserve® Classic Card doesn't offer a cash signup bonus.

Does Celtic Bank Deserve® Classic Card offer an annual loyalty bonus?

Celtic Bank Deserve® Classic Card doesn't offer a cash loyalty bonus.

What are the Celtic Bank Deserve® Classic Card benefits?

Celtic Bank Deserve® Classic Card provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Celtic Bank Deserve® Classic Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Celtic Bank Deserve® Classic Card has higher than average purchase APRs.

Celtic Bank Deserve® Classic Card has a variable purchase APR of 23.99%.

Does Celtic Bank Deserve® Classic Card have an introductory APR offer on balance transfers?

No, Celtic Bank Deserve® Classic Card does not come with an introductory APR offer for balance transfers.

Does Celtic Bank Deserve® Classic Card have an introductory APR offer on new purchases?

Celtic Bank Deserve® Classic Card does not offer an introductory rate on new purchases.

What are the fees for Celtic Bank Deserve® Classic Card?

The following fees apply to Celtic Bank Deserve® Classic Card:

  • There is no overlimit fee
Celtic Bank Deserve® Classic Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $37
Late Payment Fee up to $25

Does Celtic Bank Deserve® Classic Card have a foreign transaction fee?

Celtic Bank Deserve® Classic Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does Celtic Bank Deserve® Classic Card report your account activity to credit bureaus?

Yes, Celtic Bank Deserve® Classic Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Celtic Bank Deserve® Classic Card

  • Visit the Celtic Bank Deserve® Classic Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 23 days
Minimum Interest Charge $1
Returned Payment Fee Up to $37
Late Fee Amount Up to $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Rates
  • Every Purchase
Balance Computation Average daily balance method (including new transactions).
Purchase APR (Variable APR) 23.99%
Card Type
  • Rewards
  • Cashback
Card Network Mastercard

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