What credit cards are offered by Celtic Bank?

Celtic Bank, a Utah-based community bank, offers several credit card options to consumers. Let’s take a closer look at each of these options to see what they have to offer.

Business credit cards:

Celtic Bank offers two business credit card options: the Visa Business Rewards Card and the Visa Business Platinum Card.

The Visa Business Rewards Card offersrewards pointsfor purchases made with the card. These rewards points can be used for travel, merchandise, and gift cards. The card also comes with a low introductory APR for the first six months.

The Visa Business Platinum Card, on the other hand, offers alow interest rateand no annual fee. This card is a good option for businesses that want to keep their costs low and don’t need rewards points.

Consumer credit cards:

Celtic Bank offers three consumer credit card options: the Visa Rewards Card, the Visa Platinum Card, and the Visa Secured Card.

The Visa Rewards Card offers rewards points for purchases made with the card. These rewards points can be used for travel, merchandise, and gift cards. The card also comes with a low introductory APR for the first six months.

The Visa Platinum Card offers a low interest rate and no annual fee. This card is a good option for consumers who want to keep their costs low and don’t need rewards points.

The Visa Secured Card is a good option for consumers who need to build or rebuild their credit. This card requires a security deposit, which will be used as collateral for the credit limit. The card also comes with a low interest rate and no annual fee.

Applying for a Celtic Bank credit card:

To apply for a Celtic Bank credit card, consumers can visit the bank’s website or call their customer service line. The application process is simple and straightforward, and most applicants will receive a decision within a few minutes.

Tips for using a credit card:

When using a credit card, it’s important to keep in mind a few tips to avoid overspending and accumulating debt. Here are some tips to consider:

1. Set a budget and stick to it.

2. Pay your balance in full each month to avoid interest charges.

3. Don’t use your credit card for unnecessary purchases.

4. Keep track of your spending and monitor your credit card statements.

5. Avoid using your credit card to withdraw cash, as this can result in high fees and interest charges.

Annual fees and avoiding risk:

When choosing a credit card, it’s important to consider any annual fees and to understand the risks involved. Some credit cards may come with high annual fees, which can offset any rewards points earned. Additionally, consumers should be aware of the risks of overspending and accumulating debt. By using a credit card responsibly and paying off balances in full each month, consumers can avoid these risks and enjoy the benefits of credit card rewards programs.

Recommended credit card companies:

In addition to Celtic Bank, there are several other credit card companies that offer great rewards programs and low interest rates. Some of these companies include Chase, Capital One, and American Express. Consumers should compare the benefits and fees of each company’s credit card options to find the best fit for their needs.