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  Celtic Bank Indigo® Platinum® Mastercard

Celtic Bank Indigo® Platinum® Mastercard

in Personal Credit Cards from Celtic Bank

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Celtic Bank Indigo® Platinum® Mastercard

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in Personal Credit Cards from Celtic Bank

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Highlights
Purchase APR  (Variable APR) 24.9
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 350 - 600
Annual Fee $75 - $99

Celtic Bank Indigo® Platinum® Mastercard Review

This 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 review will provide you with with all the details you need 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 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.
Pros & Cons of Celtic Bank Indigo® Platinum® Mastercard
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.
Celtic Bank Indigo® Platinum® Mastercard FAQ

Does Celtic Bank Indigo® Platinum® Mastercard have a cash back or rewards program?

No, it does not offer a rewards program.

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

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It 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.

Does Celtic Bank Indigo® Platinum® Mastercard have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Celtic Bank Indigo® Platinum® Mastercard have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

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

The following fees apply:

  • 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 have a foreign transaction fee?

Celtic Bank Indigo® Platinum® Mastercard charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Celtic Bank Indigo® Platinum® Mastercard?

The Celtic Bank Indigo® Platinum® Mastercard customer service number is (800) 509-6191.

What is the support contact email for Celtic Bank Indigo® Platinum® Mastercard?

The support contact email for Celtic Bank Indigo® Platinum® Mastercard is info@celticbank.com.

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.

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Celtic Bank

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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

No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum 5
Cash Advance Fee (%) Starting at 5
Minimum Cash Advance Fee ($) 5 - 100
Foreign Currency Transaction Fee 1
Annual Fee $75 - $99
Minimum Interest Charge 0.50
Over-Limit Fee 40
Returned Payment Fee Up to 40
Paper Statement Fee 3
Late Fee Amount Up to 40
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 350 - 600
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 29.9
Balance Computation "Average daily balance (including new purchases)."
Penalty APR (Variable APR) 29.9
Purchase APR (Variable APR) 24.9
Card Type
  • Bad Credit
Card Network Mastercard

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