Celtic Bank Corporation

Celtic Bank is a Utah-chartered industrial bank that operates as an issuing bank partner for both fintech lending programs and credit card programs, as well as being an active lender in the Small Business Administration loan program. Consumers most often encounter Celtic Bank not through its own brand but through fintech and third-party credit card programs that use Celtic Bank as their underlying licensed bank.

Credit cards issued by Celtic Bank through program partners include products marketed under names such as Indigo, Surge, and Reflex. These cards are typically designed for consumers with poor or limited credit, and the program managers handle the marketing and servicing while Celtic Bank holds the issuing bank role. Because these programs serve higher-risk borrowers, the cards carry higher costs than cards available to consumers with good credit, including elevated APRs and potentially multiple fees.

For any credit card issued by Celtic Bank through a program partner, read the full cardholder agreement before applying. Pay close attention to the annual percentage rate, any account opening fees, annual fees, and monthly maintenance fees. These costs can substantially reduce the effective credit you actually have available to spend.

On the business lending side, Celtic Bank is one of the most active SBA 7(a) lenders in the country, providing government-backed small business loans to qualifying businesses.

If you have questions about a card issued by Celtic Bank, direct your inquiries to the program manager whose name appears on your card correspondence first. Celtic Bank is FDIC-insured. Review all terms and compare alternatives before applying for any Celtic Bank-issued credit product.