< See Cards for Building Credit

Reflex Mastercard® Credit Card

Reflex Mastercard® Credit Card
Our Take:

We like that the fast, easy application process is one where an approval can be returned almost instantly. With 24/7 online account management available and a moderate initial credit limit of $500 for approved applicants, this could be a great card for getting out of a sub-prime credit score and into something nicer. Skip to our full review

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  • Highlights
    • All credit types welcome to apply!
    • Monthly reporting to the three major credit bureaus
    • Initial Credit Limit of $500.00!* (subject to available credit)
    • Fast and easy application process; results in seconds
    • Use your card at locations everywhere that Mastercard® is accepted
    • Free online account access 24/7
    • Checking Account Required 
  • Regular APR
    29.99
  • Credit level
    Fair and Bad Credit
  • Building CreditBuilding Credit
  • Bad CreditBad Credit
Fees
  • Annual Fee
    $96
    Intro: $125 for the first year
  • Cash Advance Fee
    Either $5.00 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction Fee
    3% of each transaction in U.S. dollars.
Reflex Mastercard® Credit Card Review

Like most cards for fair credit, poor credit or downright bad credit, the Reflex Mastercard is met with mixed reviews. For that reason, let’s start this one by stating what it’s not. The Reflex Mastercard is not a rewards card. You don’t get any cash back or a fun point system to apply toward travel and freebies. It isn’t the lowest variable interest rate card out there —those perks are reserved for people with fair to excellent credit.

This credit line is designed for higher risk shoppers who have trouble getting approved for a more traditional card due to the unique credit situation they are in. For those people, this card offers a fast and easy application process, where the results can be delivered digitally in seconds. It also will offer approved consumers a higher starting credit limit than most cards of this type. It isn’t a secured credit card, so in most cases, no deposit is required. However, the card issuer reserves the right to charge one based on creditworthiness, and users of the Reflex Mastercard are subject to fees.

In fact, one major criticism of this card includes higher than average fees for cards of this type. Before you apply, read the fine print and understand what you are signing on for. There may be better options for both secured and unsecured credit lines that cater to people with bad credit. As far as building your credit is concerned, it’s an important thing to prioritize and this card is one option to help you on the road to credit recovery.

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Editorial Note:

This content is not provided by Celtic Bank. Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Celtic Bank.