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CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
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CompareCards was one of three sites that met all the criteria.
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How CompareCards Gets Paid
CompareCards is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). CompareCards does not include all credit cards available in the marketplace.
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- Regular Purchase APR 35.90% Fixed
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $75 - $125
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
- Regular Purchase APR 35.90% Fixed
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $75 - $125
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
Highlights
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- 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
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
Expert Reviews
From the CompareCards.com Editorial Team, updated on Aug 20, 2024
If you're looking for a card to start building your credit, Reflex® Platinum Mastercard® is a reasonable — though pricey — option. Plus, the card offers a potential credit limit increase after six months of on-time payments.
Expert Reviews of the Reflex® Platinum Mastercard®
The 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.
The Good
This 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, 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. Plus, you'll pay another fee to add an authorized user to the card. Furthermore, the card's APR — 35.90% Fixed — is pretty high, even for a card geared toward consumers with low credit scores.
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.
Consumer Reviews
OFFER RATING
/5.0
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How CompareCards Gets Paid
CompareCards is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). CompareCards does not include all credit cards available in the marketplace.
Our pick for best unlimited cash rewards card
- Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Rewards Rate Earn unlimited 2% cash rewards on purchases
- Extra Perks No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Rewards Rate Earn unlimited 2% cash rewards on purchases
- Extra Perks No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.74%, 24.74%, or 29.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
See additional details for Wells Fargo Active Cash® Card
Our pick for 1:1 cash back match in your first year
- 0% Intro APR 0% Intro APR for 15 months on purchases and balance transfers, then 17.74% - 27.74% Variable APR.
- Rewards Rate 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
- Sign-Up Bonus Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Discover
- 0% Intro APR 0% Intro APR for 15 months on purchases and balance transfers, then 17.74% - 27.74% Variable APR.
- Rewards Rate 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
- Sign-Up Bonus Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Discover
Highlights
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 17.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
See additional details for Discover it® Cash Back
Our pick for longest period of 0% intro APR on balance transfers
- Intro Purchase APR 0% intro APR for 12 months on Purchases
- Intro Balance Transfer APR 0% intro APR for 21 months on Balance Transfers
- Regular Purchase & BT APR 17.74% - 28.49% (Variable)
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Mastercard®
- Intro Purchase APR 0% intro APR for 12 months on Purchases
- Intro Balance Transfer APR 0% intro APR for 21 months on Balance Transfers
- Regular Purchase & BT APR 17.74% - 28.49% (Variable)
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Mastercard®
Highlights
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.74% - 28.49% based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
See additional details for Citi® Diamond Preferred® Card
