Disclosed rates and fees
Every figure below was read from this issuer's filed agreement. Anything the filing does not state is left out of this table rather than shown as zero.
| Annual fee | $0 |
|---|---|
| Late payment fee | up to $8 |
| Grace period | 21 days |
| Network | Visa |
Analysis
This Celtic Bank filing resists summarising: the standard rate and fee disclosures are not present in readable form. The PDF is the source of record.
Limited disclosure
Very little of this filing parsed into structured terms — only a handful of fields could be read with any confidence.
What did come through: no annual fee, a late fee of up to $8 and a 21-day grace period. That is the whole of it.
There is no honest way to extend this analysis without inventing figures, so it ends here. The agreement Celtic Bank filed is linked above and is the place to go.
What is outside the disclosure
This page cannot tell you a purchase rate, anything about cash advances, balance transfer terms and a foreign transaction fee, because the filing's disclosure table as read does not contain them.
An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.
Go to the source
This summary stands or falls on the linked PDF — 22 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.
In short
No useful cost comparison is possible from what this document yields. The PDF is the only source worth consulting for these terms.
The source document
This page is a reading of one document: the cardholder agreement Celtic Bank filed with the Consumer Financial Protection Bureau. Where the two disagree, the filing is correct and this page is wrong.
Applications are handled by Celtic Bank, not by us. We do not take applications and cannot say whether you would be approved.
Other cards from Celtic Bank
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Concora Credit Account Agreement
Agreement filed with the CFPB
- Purchase APR
- 35.9%
-
Concora Credit Account Agreement
Agreement filed with the CFPB
- Purchase APR
- 35.9%
-
Concora Credit Account Agreement
Agreement filed with the CFPB
- Purchase APR
- 35.9%
-
Concora Credit Account Agreement Raymour & Flanigan
Agreement filed with the CFPB
- Purchase APR
- 35.9%
Where this card sits
Groups this agreement qualifies for, by its own disclosed terms:
Comparable cards from other issuers
Closest disclosed purchase APR among cards in the same groups.