Celtic Bank Indigo® Platinum® Mastercard Review

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

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 24.9%
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.

The Good	The Bad
Identity Theft Protection. Considers applicants with fair or poor credit. Celtic Bank Indigo® Platinum® Mastercard reports to multiple credit bureaus.	Higher than average purchase APRs. Charges an annual fee of up to $99. Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 1%. You don't earn rewards on every purchase. Does not include many credit card benefits.

Is there a Celtic Bank Indigo® Platinum® Mastercard cash back or rewards program?

No, Celtic Bank Indigo® Platinum® Mastercard does not offer a rewards program.

What are the Celtic Bank Indigo® Platinum® Mastercard benefits?

Celtic Bank Indigo® Platinum® Mastercard provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Celtic Bank Indigo® Platinum® Mastercard?

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 Indigo® Platinum® Mastercard has higher than average purchase APRs.

Celtic Bank Indigo® Platinum® Mastercard has a variable purchase APR of 24.9%. It also has a variable cash advance APR of 29.9% . Note that late payments are subject to an APR of 29.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Celtic Bank Indigo® Platinum® Mastercard?

The following fees apply to Celtic Bank Indigo® Platinum® Mastercard:

• An overlimit fee of $40.

Celtic Bank Indigo® Platinum® Mastercard Fees

Fees	Amount
Annual Fee	Starting at $75 up to $99
Overlimit Fee	$40
Foreign Transaction Fee	1%
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

Does Celtic Bank Indigo® Platinum® Mastercard report your account activity to credit bureaus?

Yes, Celtic Bank Indigo® Platinum® Mastercard 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 Indigo® Platinum® Mastercard

• Visit the Celtic Bank Indigo® Platinum® Mastercard 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.