Celtic BankEmbark American Express CardRegistry illustration · issuer artwork unavailable
Embark American Express CardCeltic Bank · NM bank, UT · FDIC 57056
CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer
Purchase APR
—
Balance transfer
22.99%–31.99%
p.8variable
Cash advance APR
31.99%
p.8variable
Annual fee
—
Foreign fee
—
Grace period
—
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | — | no source read | |
| APR for balance transfers | 22.99%–31.99% variableCeltic Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | “22.99% to 31.99%. This APR will vary with the market based on the Prime Rate.”Celtic Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 8 |
| APR for cash advances | 31.99% variableCeltic Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | “31.99% This APR will varv with the market based on the Prime Rate.”Celtic Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 8 |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | — | no source read | |
| Transaction fees | |||
| Cash advance | — | no source read | |
| Balance transfer | — | no source read | |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |