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Reflex® Platinum Mastercard®

Reflex® Platinum Mastercard®


Rated 2.5/5 stars by our editorial team

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  • Regular Purchase APR 24.99% - 29.99% (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee See Terms
  • 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
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • 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 See Terms

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® Platinum 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® Platinum 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® Platinum Mastercard®. But, be sure to read the fine print carefully.

The Good

The Reflex® Platinum 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. 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® Platinum 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 See Terms, 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 24.99% - 29.99% (Variable) — 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.

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