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Reflex Mastercard®


Rated 2.5/5 stars by our editorial team

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Your Rating:

3.4/5.0 from 8 Offer Ratings
Over the Past 60 Days!

(8) Over the Past 60 Days!

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  • Regular Purchase APR 25.90% - 29.99%
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $75.00 - $99.00
  • Credit Needed


  • Card Brand Mastercard®

Card Details


  • Click "APPLY NOW" to apply online
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

Ongoing Information

Annual Fee $75.00 - $99.00

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

For cardholders looking to build credit without plunking down a security deposit, the Reflex Mastercard® is a reasonable — though pricey — option. The card, which touts an A+ rating from the Better Business Bureau, reports to all three major credit bureaus and offers a potential credit limit increase after six months of timely payments. 

Expert Reviews of the Reflex Mastercard®

  • 2.5

    Regular APR

  • 0.0

    Intro APR

  • 2.0


  • 2.0


  • star rating 2.5/5

    Overall Rating

The Bottom Line

If you're a consumer with a low credit score set on having an unsecured credit card, it won't hurt to see if you can prequalify for an affordable offer with the Reflex Mastercard®. But, be sure to read the fine print carefully.

The Good

The Reflex Mastercard® is open to applicants with all types of credit and lets you prequalify in seconds with no impact to your credit score.There's no security deposit required for most applicants, and you'll start off with a decent credit limit — between $300 and $750. The card helps you build credit by reporting your timely payments to the three major credit bureaus and offering a chance to boost your credit line in as little as six months. It also gives you $0 liability for fraudulent charges and free access to your Vantage 3.0 score from Transunion.

The Not so Good

Before you commit to the Reflex Mastercard®, you should carefully scan the conditions of your offer. The card comes with a lot of fees, and you won't know what the fees will be until you prequalify. The card charges an annual fee between $75.00 - $99.00, as well as a maintenance fee up to $10 per month. In other words, you could wind up paying up to $219 per year in fees. You'll also pay a $30 fee to add an authorized user to the card. Furthermore, the card's APR — which ranges from 25.90% - 29.99% — is extremely high, even for a card geared toward consumers with low credit scores. Also, look carefully at the fine print — the terms state that a security deposit may be required, so you could potentially qualify for an offer that requires a deposit in addition to all the fees.

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 may not have been reviewed, approved or otherwise endorsed by Celtic Bank.

Consumer Reviews

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Offer Rating


8 Total Ratings

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