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Celtic Bank

Celtic Bank Credit Cards

Celtic Bank is a privately owned industrial bank chartered by the State of Utah. The bank was founded in 2001 and has become a leading small business lender that specializes on business loans. It is an SBA Preferred Lender and one of the largest SBA lenders. Celtic Bank also partners with other companies, such as Continental Finance to offer credit cards to consumers with damaged or poor credit history. Their credit cards are flexible credit products: they can be as unsecured as secured cards. All Celtic Bank financial products are FDIC insured.
Celtic Bank CREDIT CARDS
Intro APR on Purchases:
Intro APR on Balance Transfers:
Regular APR:
Annual Fee:
Instant Response:
N/A
N/A
Yes
Credit Recommended: Fair/Bad
APPLY NOW
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Intro APR on Purchases:
Intro APR on Balance Transfers:
Regular APR:
Annual Fee:
Instant Response:
N/A
N/A
23.9%
$0 - $99
Yes
Credit Recommended: Fair / Good
APPLY NOW
Read more about the card
Intro APR on Purchases:
Intro APR on Balance Transfers:
Regular APR:
Annual Fee:
Instant Response:
N/A
N/A
23.9%
$0 - $99
Yes
Credit Recommended: Bad/Poor
APPLY NOW
Read more about the card

Improving Credit Is Easier With The Surge Card

The Surge MasterCard credit card is issued by Celtic Bank but serviced by Continental Finance.

Celtic Bank is a leading nationwide small business lender and a residential construction lender. It is a privately owned industrial bank chartered by the State of Utah. Continental Finance Company is one of the leading marketers and services of credit cards for consumers with poor credit. The company provides access to credit products and services to the consumers with bad credit.

The Surge credit card is designed for people with bad credit but people without any credit history at all can apply as well. The card will help you get back on track or establish a credit history. The Surge card is an unsecured credit account and all applicants can get an unsecured credit card. However, if you do not qualify, the issuer will offer you a secured credit card, which is very convenient since you won't need to apply twice or look for another card.

Not sure which card to choose?

Ask your question to our experts: explain your financial situation and you'll get personal financial consultation by email.

Frequently Asked Questions:

How do I know if I qualify for an unsecure or secured account?

After you submit your application, the issuer will review all provided information and will decide whether you qualify or not. If you qualify for an unsecured account, the issuer will send you an approval notification online. If you are approved for a secured credit account, the issuer will send you an e-mail where the amount of the security deposit will be provided. You can pay the security deposit over the phone or online using the link provided by the issuer.

Do I qualify if I have bad credit?

You may qualify even if you have bad credit. The card is designed for people whose credit is bad, so your chances are not zero. Note that you still need to answer some minimum requirements to qualify. Notably, you should be a U.S. resident of at least 18 years of age, have a social security number, physical address, and you should have a stable source of income.

Will this card help me to build good credit?

Yes, provided you make all monthly payments with all your creditors on time. Making regular on-time monthly payments, you demonstrate your good financial responsibility that lenders look for when evaluate your creditworthiness. The credit card payment history is reported to the credit bureaus and it makes 35% of your credit score. So you can build good credit using this card.

I can’t activate my card online, what should I do?

The online activation is not always available. However, you should be able to activate your card over the phone. To do that, you should use the phone number provided on your credit card agreement or credit card itself. You may also find a toll-free number printed on the sticker affixed to your new card. As a rule, you should have 30 days to activate your new card.