The Celtic Bank is a fuel card from Celtic Bank. The annual fee is No annual fee; $4 per user per month, charged only for active users (users with one or more completed transactions that month). Rewards: Rebates on every gallon on your statement, up to 9 cents off per gallon at about 30,000 partner stations; 1% cash back on non-fuel fleet expenses at non-gas-station merchants (no tiers or caps). Modern fleet fuel card. No personal credit check. Works at any gas station.