- Click APPLY NOW to apply online.
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
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Annual Fee$75 - $125
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Welcome OfferN/A
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Rewards RateNon-rewards card
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Credit Needed
Bottom Line
If you're a consumer with a low credit score, it might be worth seeing if you can prequalify for an affordable offer with the Reflex® Platinum Mastercard®. But, be sure to read the fine print carefully.
Our Take
The Good
This card helps you build credit by reporting your timely payments to the three major credit bureaus. It also gives you $0 liability for fraudulent charges, which is a nice added feature.
The Not So Good
Before you commit to the Reflex® Platinum Mastercard®, you should carefully scan the conditions of your offer. The card comes with a lot of fees — the card charges an annual fee between $75 - $125, as well as a maintenance fee up to per month. Furthermore, the card's APR — 35.90% Fixed — is pretty high, even for a card geared toward consumers with low credit scores.
HIGHLIGHTS
Additional Details
Card Fees
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Balance Transfer Fee: N/A
- Penalty APR: N/A
Ongoing Information
- Rewards Rate: Non-rewards card
- Annual Fee: $75 - $125
Editorial Note: This content is not provided by Continental Finance. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Continental Finance.
Expert Reviews
From the CompareCards.com Editorial Team, updated on Apr 01, 2026
If you're looking for a card to start building your credit, Reflex® Platinum Mastercard® is a reasonable — though pricey — option.
Expert Reviews of Reflex® Platinum Mastercard®
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Our Take
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The Not So Good
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HIGHLIGHTS
- Click APPLY NOW to apply online.
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The Discover it® Chrome credit card has an excellent rewards program, a nice intro APR and very few fees. If you’re trying to earn extra rewards for restaurant and gas purchases, this card is a great choice!
Our Take
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The Not So Good
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Credit Needed
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Our Take
The Good
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The Not So Good
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HIGHLIGHTS
- Click APPLY NOW to apply online.
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Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion.
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