The Celtic Bank is a personal credit card from Celtic Bank. The annual fee is $0. The ongoing APR is 27.99% to 29.99% variable, depending on creditworthiness (Prime + 20.99% to 24.99%, capped at 29.99%; accurate as of September 17, 2026). Rewards: 2% rewards on all payments made toward the card balance, earned as Perpay Marketplace credits (no rewards on purchases). Cash back: 2% rewards on every payment. Typical credit limit: Up to $1,500 starting credit limit. Loan terms: Revolving credit card; minimum payment 4% of the new balance or $15, whichever is higher; due date at least 23 days after the close of each billing cycle; no interest on new purchases if the entire balance is paid by the due date; payments by one-time or automatic deposit-account payments, daily automatic payments from Perpay Payroll Direct Deposit funds, or check. This product reports activity to your personal credit report. Pre-qualification with no hard credit check. Requires recurring direct deposit. 2% rewards (credit to Perpay Marketplace). $9/month account servicing fee. No balance transfers or cash advances. Reports to major credit bureaus. Must maintain direct deposit to keep card active. Issued by Celtic Bank.