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Mastercard0/4 on file
Annual fee: issuer restricts access
Celtic Bank · Mastercard

The Earnest Card

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The The Earnest Card is a Mastercard from Celtic Bank. Celtic Bank's site does not let us read its terms, so we leave the annual fee blank — check it on Celtic Bank's own site. Here is what we hold on it, and what we do not.

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Opens Celtic Bank’s site

Bank with branches in: Utah (1). Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the The Earnest Card, exactly as recorded.

Annual fee
Not confirmedWe couldn't verify this · check with the issuer
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
Not confirmedWe couldn't verify this · check with the issuer
Income requirement
Not confirmed
Network
Mastercard
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the The Earnest Card. That may mean there isn’t one, or simply that we have not recorded it — Celtic Bank’s own page is the place to check.

We couldn't verify this · check with the issuer
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the The Earnest Card. Rather than print a multiplier we cannot source, this stays blank until Celtic Bank’s own terms give us one.

We couldn't verify this · check with the issuer
Next step

Ready to apply for the The Earnest Card?

You'll finish the application on Celtic Bank's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Celtic Bank’s site
Questions

Questions about the The Earnest Card

How much is the The Earnest Card annual fee?

We could not verify the The Earnest Card's annual fee, so we do not print one. Check the current annual fee on Celtic Bank's own site before you apply.

What does the The Earnest Card earn?

We could not verify the The Earnest Card's earn rates, so we do not print a multiplier. Check them on Celtic Bank's own site.

What network is the The Earnest Card on?

The The Earnest Card runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the The Earnest Card available in United States?

Yes — the The Earnest Card is issued by Celtic Bank and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

How current is this The Earnest Card information?

No figure we hold for the The Earnest Card has been checked against a published document yet, so we show no check date. We could not verify, so we do not print: annual fee, foreign transaction fee, purchase APR, earn rates and welcome offer. Check them with Celtic Bank. Everything on this page comes from what we hold in our catalogue; confirm the fee, offer and terms with Celtic Bank before you apply.