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  The Grand Reserve™ World Mastercard®

The Grand Reserve™ World Mastercard®

in Personal Credit Cards from Celtic Bank

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The Grand Reserve™ World Mastercard®

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in Personal Credit Cards from Celtic Bank

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Highlights
Purchase APR  (Variable APR) 14.99% - 22.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 720 - 850
Annual Fee $149

The Grand Reserve™ World Mastercard® Review

The Grand Reserve™ World Mastercard® is a rewards credit card issued by Celtic Bank. If you're wondering whether The Grand Reserve™ World Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 5 points per dollar spent.
  • Signup bonus. Offers a signup bonus of 50000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. The Grand Reserve™ World Mastercard® has a variable purchase APR that ranges from 14.99% up to 22.99%.
  • Annual fee waived 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 access to a concierge, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 720.
The Grand Reserve™ World Mastercard® Pros & Cons
The Good The Bad
  • 5x rewards on Grand Reserve Partners (400+ wine merchants), 3x at any winery, wine club, wine store, liquor store, bar, or restaurants, 2x everywhere else.
  • Lower than average purchase APRs.
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Access to a concierge.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere The Grand Reserve™ World Mastercard® is accepted.
  • The Grand Reserve™ World Mastercard® reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges an annual fee of $149
The Grand Reserve™ World Mastercard® FAQ

Is there a The Grand Reserve™ World Mastercard® cash back or rewards program?

The Grand Reserve™ World Mastercard® offers a rewards program to its customers.

The Grand Reserve™ World Mastercard® Rewards
Minimum rewards rate 2x
Max rewards rate 5x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 50000
Signup Bonus Spend Requirement $3000
Signup Bonus Spend Period (months) 3 months

Does The Grand Reserve™ World Mastercard® have a signup bonus?

The Grand Reserve™ World Mastercard® doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus after spending $3000 that can be redeemed for travel, gifts, or other perks.

Does The Grand Reserve™ World Mastercard® offer an annual loyalty bonus?

The Grand Reserve™ World Mastercard® 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:

  • Cellular Telephone Protection
  • No blackout dates when redeeming miles
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for The Grand Reserve™ World 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. The Grand Reserve™ World Mastercard® has lower than average purchase APRs.

The Grand Reserve™ World Mastercard® has a variable purchase APR that ranges from 14.99% up to 22.99%.

Does The Grand Reserve™ World Mastercard® have an introductory APR offer on balance transfers?

No, The Grand Reserve™ World Mastercard® does not come with an introductory APR offer for balance transfers.

Does The Grand Reserve™ World Mastercard® have an introductory APR offer on new purchases?

The Grand Reserve™ World Mastercard® does not offer an introductory rate on new purchases.
The Grand Reserve™ World Mastercard® Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for The Grand Reserve™ World Mastercard®?

The following fees apply to The Grand Reserve™ World Mastercard®:

  • There is no overlimit fee
The Grand Reserve™ World Mastercard® Fees
Fees Amount
Annual Fee $149
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $37
Late Payment Fee $25

Does The Grand Reserve™ World Mastercard® have a foreign transaction fee?

The Grand Reserve™ World Mastercard® 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 The Grand Reserve™ World Mastercard® report your account activity to credit bureaus?

Yes, The Grand Reserve™ World Mastercard® reports your account activity to the following credit reporting agencies:

  • 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 The Grand Reserve™ World Mastercard®

  • Visit the The Grand Reserve™ World 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.

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.

Availability

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

Feature Breakdown

Every Purchase (Points) 2
Restaurants (Points) 3
Eligible In-Store Purchases (Points) 3 - 5
Cash Advance Fee Minimum $0
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
No Annual Fee First Year  
Over-Limit Fee $0
No Interest Grace Period for Late Payment 23 days
Annual Fee $149
Minimum Interest Charge $1
Returned Payment Fee Up to $37
Late Fee Amount $25
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 720 - 850
Credit Bureau Reporting
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
No Reward Expiration Period  
No Blackout Dates  
Rewards Categories
  • Every Purchase
  • Restaurants
  • Retail
Signup Bonus (points) 50,000
Balance Computation Average Daily Balance (including new purchases)
Credit Limit $1,000 - $20,000
Purchase APR (Variable APR) 14.99% - 22.99%
Card Type Rewards
Card Network Mastercard

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SUPERMONEY NET RECOMMENDATION SCORE

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