Grand Reserve™ World Mastercard®

  • Earn 50,000 bonus points when you spend $3,000 on purchases in the first 3 months after account opening.
  • Earn 5x points per dollar at more than 400 wineries, wine clubs, and other Grand Reserve Partners
  • Earn 3x points per dollar at any other winery, wine store, liquor store, restaurant, or bar
  • Earn 2x points per dollar everywhere else
  • Earn an additional 2 point per dollar bonus at your top wine merchant each month
  • Redeem your points from our sommelier-curated catalog of more than 450 products and experiences for the discerning wine lover
  • Receive discounts and upgrades at hundreds of wineries with your complimentary Priority Wine Pass membership
  • Includes a sleek, premium metal card and access to exclusive cardholder events
  • 1% of our revenue is donated to tackling climate change with 1% For the Planet
  • $0 annual fee for the first year, then $149
  • No foreign exchange fee
  • Purchase APR: Variable interest rate ranging from 14.99 - 22.99% (based on current prime rate of 3.25%), depending on applicant's credit
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit, Good Credit Personal $0 annual fee for the first year, then $149 N/A N/A 14.99 - 22.99% Variable Other


Grand Reserve™ World Mastercard® Quick Summary:
This Mastercard rewards card is issued by Celtic Bank and offers unique rewards not listed in our current rewards categories. This card is intended for consumers, or "personal use" with a nearly perfect credit history. Rates may vary among applicants, however the lowest standard APR is 14.99%* and may be as high as 22.99%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is an annual fee of $0 annual fee for the first year, then $149* for this card. This normally exists for "first year reduced annual fee" offers, or minimum spending requirements for the annual fee to be waived. You should read the additional details at the issuer's website or terms and conditions from the application for more information.

Rewards:
Use your rewards points at Grand Reserve's exclusive catalog. Items range from cheese platters, chocolates, wine coolers and glasses to an all-Inclusive 2 Night Napa Weekend Getaway.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great or nearly perfect credit record. A FICO credit score of 720 to 850 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Celtic Bank product.

Other Basics:
The grace period listed for the Grand Reserve™ World Mastercard® is at least 23 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This card contains the brand of Mastercard, where acceptance is global. Most businesses that accept credit cards will accept Mastercard as a form of payment (subject to available credit). Your World Mastercard's benefits will help protect you against everything from identity theft to fraudulent purchases.

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 720 to 850, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

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