Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
14.99% - 22.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
N/A
Credit Score Range
650 - 850
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Annual Fee
$149
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The Grand Reserve™ World Mastercard® Review
This is a rewards card issued by Celtic Bank. If you're wondering whether The Grand Reserve™ World Mastercard® is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5 reward points per dollar spent.
- Welcome offer. Offers a signup bonus of 50000 points that can be redeemed for travel, gifts, or other perks.
- APRs: The Grand Reserve™ World Mastercard® has a variable regular purchase APR that ranges from 14.99% up to 22.99%.
- $0 intro annual fee for the first year. The Grand Reserve™ World Mastercard® gives you the chance to have the card for a year without paying the $149 annual fee.
- 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.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, identity theft protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of The Grand Reserve™ World Mastercard®
| The Good | The Bad |
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The Grand Reserve™ World Mastercard® FAQ
Does The Grand Reserve™ World Mastercard® have a cash back or rewards program?
The Grand Reserve™ World Mastercard® is a rewards card.
| Description |
Does The Grand Reserve™ World Mastercard® have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus that can be redeemed for travel, gifts, or other perks.Does The Grand Reserve™ World Mastercard® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the The Grand Reserve™ World Mastercard® benefits?
The Grand Reserve™ World Mastercard® provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Cell Phone Protection
- No blackout dates when redeeming miles
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for The Grand Reserve™ World Mastercard®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.The Grand Reserve™ World Mastercard® has a variable purchase APR that ranges from 14.99% up to 22.99%. The Grand Reserve™ World Mastercard® does not offer balance transfers.
Does The Grand Reserve™ World Mastercard® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. The Grand Reserve™ World Mastercard® does not offer balance transfers.Does The Grand Reserve™ World 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 The Grand Reserve™ World Mastercard®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $149 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $149.
There is a late fee of up to $25 . Does The Grand Reserve™ World Mastercard® have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for The Grand Reserve™ World Mastercard®?
The customer service number for The Grand Reserve™ World Mastercard® is (800) 509-6191.
What is the support contact email for The Grand Reserve™ World Mastercard®?
The support contact email for The Grand Reserve™ World Mastercard® is info@celticbank.com.
How do people rate the customer service and user experience of The Grand Reserve™ World Mastercard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does The Grand Reserve™ World Mastercard® report your account activity to credit bureaus?
Yes, The Grand Reserve™ World Mastercard® reports to the following credit bureaus:
- 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 build your credit.
Does Celtic Bank perform a hard credit pull?
Yes, The Grand Reserve™ World Mastercard® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for The Grand Reserve™ World Mastercard®
- Visit the website of The Grand Reserve™ World Mastercard®.
- 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.
The Grand Reserve™ World Mastercard® Disclosure: Grand Reserve is a trademark of Vertical Finance, Inc. Restrictions apply. See terms and conditions for more detail. Vertical Finance reserves the right to modify or discontinue its products or offerings at any time and without notice. Cards powered and serviced through Deserve, Inc. and issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC.
You must be of US legal drinking age to redeem certain rewards and/or experiences. We may offer some services to users between the ages of 18 and 21 because of certain legal requirements related to credit card issuers. We do not support underage drinking or any other misuse of alcohol.
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.
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
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