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Home Credit Cards Reviews Reflex Mastercard®

Reflex Mastercard® Credit Card 2025 Review: Unsecured Credit with High Fees

Written by Kari Dearie

Jun 6, 2022

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

Table of Contents

  1. Quick Review
  2. Reflex Mastercard® Important Details
  3. Reflex Mastercard® Feature Breakdown
  4. Should You Get the Reflex Mastercard® Credit Card?
  5. Comparable Cards

The Reflex Mastercard® is an unsecured credit card with an initial credit limit of $300–$1,000. Although it’s geared towards people who want to build credit, it doesn’t require a security deposit as many similar cards do. However, it has expensive annual fees of $75–$99, monthly fees on some accounts, and a high APR.

Reflex Mastercard®

Reflex Mastercard Apply Now

on Continental Finance's secure site

Rates & Fees
3.0
Annual Fee

$75–$99

Credit Score

300–669

Purchase APR

24.99%–29.99% (variable)

At a Glance

The Reflex Mastercard® is an unsecured credit card for people with bad credit. It offers a reasonably generous credit line but comes with steep annual and monthly fees.

Quick Review

Unlike many credit cards for bad credit, the Reflex Mastercard® credit card is unsecured. This means you don’t have to put down a security deposit, and your credit line doesn’t depend on the deposit you pay.

This credit card gives you an initial credit line of $300–$1,000. You can then double your credit limit if you make six on-time payments, meaning you could have a credit limit as high as $2,000 after 6 months.

This might sound like a good deal, but the card isn’t worth it overall. The Reflex Mastercard® has annual and monthly fees totaling $75–$219, and the APR is very high at 24.99%–29.99% (variable), so you’ll rack up interest charges if you don’t pay off your balance at the end of each month.

Although the Reflex Mastercard® reports credit activity to all three major credit bureaus, making it a viable option for building credit, it’s still an overly expensive card with minimal benefits. There are much better offers on the credit card market, even for bad-credit borrowers, so shop around before you commit to the Reflex Mastercard®.

Pros:

  • Available to bad credit holders
  • No security deposit required
  • Opportunities to double your initial credit limit within 6 months
  • Foreign transactions and cash advances available
  • Credit reporting to all three bureaus

Cons:

  • High APR
  • High annual fee
  • Monthly fees usually apply
  • No rewards, welcome bonuses, or intro offers
  • No balance transfers available

Reflex Mastercard® Important Details

Basic Card Details

  • Credit card issuer: Celtic Bank
  • Credit card servicer: Continental Finance
  • Regular APR: 24.99%–29.99% (variable)
  • Annual fee: $75–$99 for the first year; $99 after that
  • Monthly maintenance fee: $0 for the first year; $0–$10 per month ($0–$120 per year) after that
  • Security deposit: N/A
  • Grace period: 25 days
  • Initial credit limit: $300–$1,000

Additional Information

  • Credit limit increases available up to $2,000.
  • Double your initial credit limit by making on-time payments for the first 6 months.
  • Cash advances are available.
  • Foreign transactions are available.
  • Balance transfers are not available.
  • $30 fee for additional cards.
  • Credit reporting to three credit bureaus.
  • Free credit scores for account holders.
  • Mastercard® zero liability protection.
  • Option to join the Continental Credit Protection program (which cancels some or all of your debt if you lose your job, become disabled, or pass away).

Reflex Mastercard® Feature Breakdown

In this section, we’ll look at some of the most important features of the Reflex Mastercard® credit card to see how it compares with other cards for less-than-perfect credit holders.

Fees

  • Annual fee: $75–$99 for the first year; $99 after that
  • Monthly fee: $0 for the first year; $0–$10 per month ($120 per year) after that
  • Cash advance fee: $5 or 5% (whichever is greater)
  • Foreign transaction fee: 0%–3% (depending on your creditworthiness)
  • Late payment fee: Up to $41
  • Returned payment fee: Up to $41
  • Additional card fee: $30 (one-time fee for adding an authorized user to your account)

Exorbitant fees are the greatest downside of the Reflex credit card. Given how much the card charges in fees, there aren’t enough benefits to justify the expense. While many cards for bad credit or no credit come with high APR and an annual fee, don’t settle for such an expensive card before researching other options.

Interest Rates

  • Regular APR: 24.99%–29.99% (variable)
  • Cash advance APR: 24.99%–29.99% (variable)
  • Minimum interest charge: None

If you don’t pay your credit card in full each month, you’ll be charged interest. The interest you’ll pay each year depends on your APR (“annual percentage rate”).

Grace Period

The Reflex Mastercard® credit card gives you a 25-day grace period (beginning on the first day of the new billing cycle). The grace period allows you time to pay your bills in full without racking up any interest charges.

If you pay off your balance in full by the due date, your purchases during the grace period won’t accumulate interest. However, if you carry a balance from previous billing cycles, you’ll have to pay interest on any charges you make to your card during the grace period.

Rewards

The Reflex Mastercard® credit card doesn’t give you any rewards.

Generally, rewards cards aren’t available to applicants with poor credit or limited credit histories. However, cards that offer cash back and rewards points do exist for borrowers with lower credit scores. So if rewards are important to you, keep looking around to find an accessible cad that offers them.

Benefits

In terms of benefits, the Reflex Mastercard® credit card offers the standard credit card fare of $0 fraud liability protection and free access to your VantageScore 3.0 credit score from Experian when you sign up for e-statements.

In addition, you can choose to join the Continental Credit Protection program by paying $0.99 for every $100 you have in debt. This program allows you to cancel some of your debt if you lose your job or become disabled (in which case the program will cover up to 12 consecutive minimum monthly payments for you).

If you pass away, the program will also pay off in full any outstanding balance you have on your card.

Cash Advances

A cash advance is when you use your credit card to withdraw money from an ATM. Cash advances are allowed on the Reflex Mastercard® credit card, but only after the account has been open for 95 days.

The cash advance fee is either $5 or 5% of the amount of each advance—whichever is greater. The cash advance APR is the same as the purchase APR at 24.99%–29.99% (variable), but doesn’t feature a no-interest grace period.

Balance Transfers

A balance transfer is when you move debt from one credit card to another (which is a common form of debt consolidation). The Reflex Mastercard® doesn’t offer balance transfers, so look for other cards if you need to move balances between credit accounts.

Credit Limit

Initially, the Reflex Mastercard® will give you a credit limit of $300–$1,000. However, the card issuer will also take your annual fee from your credit limit. That means when you first receive your Reflex Mastercard®, if you get an initial credit limit of $500 (for example), you’ll have just $401–$425 available in your initial credit line (or even less if you get an extra card for someone else).

Credit Limit Increases

The Reflex Mastercard® website says that you can double your credit limit after 6 months by making the first six monthly minimum payments on time.

Credit Reporting

Credit reporting is an important part of building credit, as your credit report is based on the information your lenders send to the credit bureaus.

Lenders aren’t legally required to report your credit history; some lenders only report to one or two of the major credit bureaus, if any. Fortunately, the Reflex Mastercard® reports to all three credit bureaus, helping you to improve your credit score quickly.

Credit Building

Because the Reflex Mastercard® reports to all three credit bureaus, it’s an adequate card for credit building. However, you need to keep up with your monthly payments to benefit your credit score; your credit will suffer if you make late payments or miss paying your bills altogether.

Credit Score Requirements

Continental Finance has the Reflex Mastercard® credit card listed as a card for people with bad credit. FICO scores under 580 are considered to be “bad” or “poor,” so even if your score is lower than this, you may still be eligible for the card. 1

Application and Approval

You can apply for a Reflex Mastercard® credit card:

  • By calling (866) 513-4598
  • By first prequalifying online
  • By returning the acceptance certificate you got with a pre-selected offer in the mail

When you apply, you’ll have to give the following information:

  • Your full name
  • Your Social Security number
  • Your date of birth
  • Your address (no P.O. boxes)

The credit card issuer will use this data to check your credit. They’ll then use the information from the credit check along with other information (e.g., your monthly income) to decide whether they’ll approve your application and, if so, which borrowing terms they’ll offer you.

In most cases, according to Celtic Bank, you should get an instant decision on your application. However, some applicants may have to provide additional information to help with the decision, in which case the application could take up to 30 days.

Once Reflex Mastercard® approves your application, your new card should be in the mail within 3 business days.

You’ll probably get a hard inquiry when you apply for a Reflex Mastercard®

A hard inquiry, also known as a hard pull or hard credit check, appears on your credit report whenever you apply for credit, and it takes a few points off your credit score.

Managing Your Account

You can log in to your Reflex Mastercard® credit card account online to:

  • Make a payment
  • View previous statements
  • View recent transactions
  • View payment history
  • View your balance and other important credit info
  • Enroll for online credit card statements

Alternatively, you can use the Reflex Mastercard® iOS app or Android app.

You can also call (866) 449-4514 to hear automated information about your account 24 hours a day, 7 days a week.

As well as making payments online, you can pay:

  • Over the phone: To make a phone payment, call (800) 518-6142 from 7 am to 12 am on weekdays, or 8 am to 8 pm on weekends (EST).
  • By mail: You can send payments by mailing them to the address listed on your monthly billing statement.

Customer Service

If you need help with your Reflex Mastercard® credit card, you can call customer service at (866) 449-4514. They’re available 7 am to 12 am on weekdays or 8 am to 8 pm on weekends (EST).

For general inquiries and correspondence, you can also write to:

Reflex Card

P.O. Box 3220

Buffalo, NY 14240-3220

Lost or Stolen Cards

If your Reflex Mastercard® credit card is lost or stolen, call (800) 556-5678 to report it.

Should You Get the Reflex Mastercard® Credit Card?

FinanceJar Verdict

Compared with many similar cards for credit building, the Reflex Mastercard® offers a reasonably good maximum initial credit line. However, it has very high fees and APR, no rewards, and minimal benefits. You’ll likely be able to find much better cards even if you have bad or limited credit, so the Reflex Mastercard® is worth considering only if you’ve run out of other options.

Before you apply for the Reflex Mastercard®, check out some other credit cards available for lower credit score ranges, including:

  • Credit cards for bad credit
  • Credit cards for no credit
  • Secured credit cards

Keep in mind that secured cards require a security deposit, and this often determines your initial credit limit. While secured cards can sometimes be more expensive than the Reflex Mastercard® in the short term, if you can find ones without annual fees, they will likely cost less in the long term if they don’t have annual or monthly fees.

Who is this card for?

  • Low credit score holders who can’t afford a deposit: If you need a credit card as a way to get a short-term loan, the Reflex Mastercard® credit card is one solution (albeit probably not the best one). Your annual fee will come from your credit line, so you won’t have to pay anything until your first monthly bill. If you’re having cash flow problems now but anticipate having more funds in the near future, you might consider this card.
  • Holders of lower credit scores who want a credit boost: One advantage of the Reflex Mastercard® credit card is that it’s accessible for people with bad credit. If you’re a bad credit holder who has been rejected for other cards, you may still qualify for the Reflex Mastercard®, so you can use it to start building your credit score by paying your monthly bills in a timely manner. Once you boost your credit score, you’ll then be eligible for better credit cards.

Comparable Cards

To decide whether the Reflex Mastercard® credit card is right for you, take a look at how it measures up against other cards for low credit scores.

Reflex Mastercard® vs. Capital One Platinum Secured Credit Card

Both the Reflex Mastercard® and the Capital One Platinum Secured credit card are designed for building or rebuilding credit. However, whereas the Reflex Mastercard® is unsecured, the Capital One Platinum Secured card is secured, so it requires a deposit paid upfront.

The minimum deposit for the Capital One Platinum Secured credit card is $49, $99, or $200, depending on your credit history. The Reflex Mastercard®, on the other hand, charges an annual fee of $75–$99 in the first year. But whereas security deposits are one-time and refundable, annual fees are never refunded and continue to be charged year after year.

Moreover, the Capital One Platinum Secured has several notable advantages over the Reflex Mastercard®:

  • No annual fee
  • No monthly fee
  • No foreign transaction fees (whereas the Reflex Mastercard® normally has foreign transaction fees)
  • Flexible due dates
  • Balance transfers are available

The Capital One Platinum Secured card charges much less in fees and even lets you upgrade to an unsecured credit card if you use your credit responsibly. If you’re upgraded to an unsecured card, you’ll get your deposit back.

We recommend seeing if you’re pre-approved for the Capital One Platinum Secured credit card before applying for a Reflex Mastercard®.

Capital One® Platinum Secured Credit Card

Capital One Platinum credit card Apply Now

on Capital One's secure website

Rates & Fees
4.2
Rating Breakdown
Fees
5.0

The card boasts no annual fee, no foreign transaction fees, and standard fees for functions like cash advances.

APR
2.6

The card has a relatively high purchase APR, making it expensive to carry a balance on.

Rewards
1.0

Unfortunately, there are no cashback rewards on the Capital One® Platinum Secured.

Credit Reporting
5.0

Capital One reports to the three major credit bureaus, making this card a good option for building credit.

Security Deposit
4.6

This card has one of the best security deposit offers available, as you actually can put less money down then you get as a credit limit.

Other

We manually adjusted the card’s rating for factors like free credit scores and a fully refundable security deposit.

Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Learn more about how we rate credit cards.

Annual Fee

$0

Credit Score

300–669

Deposit

$49–$200

Purchase APR

26.49% (variable)

At a Glance

The Capital One® Platinum Secured is an affordable credit card for building credit. It offers a flexible security deposit of $49, $99, or $200 in exchange for a minimum initial credit limit of $200. It doesn’t charge annual fees or foreign transaction fees.

Reflex Mastercard® vs. Discover it® Secured Credit Card

If you’re looking to build credit and are willing to pay a security deposit, we highly recommend the Discover it® Secured credit card as an alternative to the Reflex Mastercard®. Both cards are suitable for bad credit and report to the three major credit bureaus.

Apart from the fact that the Discover it® Secured card requires a deposit, there are a few important distinctions between the Discover it® Secured credit card and the Reflex Mastercard®:

  • The Discover it® Secured card’s initial credit limit depends on how much you pay for your security deposit (with a minimum deposit of $200).
  • The Discover it® Secured card has a lower variable APR at 25.99% (variable).
  • The Discover it® Secured card doesn’t charge annual or monthly fees.
  • The Discover it® Secured card offers cashback rewards.

The major appeal of the Reflex Mastercard® credit card is that, compared with the Discover it® Secured credit card, you’ll pay less money upfront. However, although this might be nice in the short term, the Discover it® Secured card will give you a much better deal in the long run, including money back through rewards.

Discover it® Secured Credit Card

Discover It secured credit card Apply Now

on Discover's secure site

Rates & Fees
4.8
Rating Breakdown
Fees
4.9

No annual fee and no foreign transaction fees score this card a high rating in the fees department.

APR
2.7

Carrying a balance could get costly on this card, given the high purchase APR.

Rewards
4.4

Considering it’s a secured card, the Discover it® Secured offers impressive rewards and even a cashback welcome bonus.

Credit Reporting
5.0

Discover reports to the major credit bureaus, which can help you build your credit.

Security Deposit
4.0

The minimum and maximum security deposit allow a good range of flexibility for you to determine your credit limit.

Other

We adjusted for factors like free credit scores and a fully refundable security deposit.

Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Learn more about how we rate credit cards.

Annual Fee

$0

Credit Score

300–669

Deposit

$200–$2,500

Purchase APR

25.99% (variable)

At a Glance

The Discover it® Secured is one of the best credit cards for borrowers with poor credit or no credit history. Unlike most credit cards in this range, it offers cashback rewards, a welcome bonus, and no annual fee.

Rewards

  • Welcome Bonus

    Cashback Match earns you a dollar-for-dollar match on your first-year rewards

  • Gas & Restaurants

    2% cash back up to $1,000 in combined spending each quarter

  • Everything Else

    1% cash back on all eligible purchases

Reflex Mastercard® vs. Aspire® Credit Card

The Aspire® Credit Card is another unsecured credit card for people who need to improve their credit scores. It has many features in common with the Reflex Mastercard®, like:

  • No deposits required
  • An initial credit limit of up to $1,000
  • No fees for account opening or credit limit increases
  • The ability to make foreign transactions
  • The ability to do cash advances (with 5% transaction fees)
  • No monthly fees in the first year

However, there are also important differences between the two cards:

  • The Reflex Mastercard® has a high APR; the Aspire® Credit Card sometimes has a potentially even higher rate at 22.74%–36.00% (variable).
  • The Aspire® Credit Card has foreign transaction fees of 3%, whereas the fees are potentially lower for the Reflex Mastercard® (at 0%–3%, depending on your creditworthiness).
  • The Aspire® Credit Card allows balance transfers, whereas the Reflex Mastercard® does not.

The annual fees and monthly fees for the two cards are also a bit different:

  • The annual fees for the Reflex Mastercard® are $75–$99 in the first year; for the Aspire® Credit Card, they may be even higher at $49–$175 in the first year (although they may also be lower).
  • The Aspire® Credit Card charges much lower annual fees ($0–$49) after the first year than the Reflex Mastercard® ($99).
  • After the first year, the Reflex Mastercard® has maintenance fees of $0–$10 per month (or $0–$120 per year), whereas the Aspire® Credit Card has potentially even higher monthly fees of $5–$12.50 ($60–$159 per year).

The total annual and monthly fees for these cards will likely be similar: in the first year, you’ll pay $49–$175 for the Aspire® Credit Card and $75–$99 for the Reflex Mastercard®; after the first year, the Aspire® Credit Card could be cheaper, at $60–$208 a year, than the Reflex Mastercard® (with annual and monthly fees totaling $99–$219 per year). However, you won’t find out the exact fees you’ll pay for each card until you apply.

In terms of fees and in general, these two credit cards are similarly unfavorable. As such, we recommend that you avoid them both altogether and look elsewhere for better deals.

Aspire® Credit Card

Aspire Credit Card Apply Now

on Aspire's secure site

Rates & Fees
2.6
Rating Breakdown
Fees
3.1

The card charges upwards of $204 each year in a combination of annual and monthly fees.

APR
2.0

This card has potentially exorbitant interest rates, especially if you’re offered purchase APR on the high end of their range.

Rewards
1.0

The card doesn’t offer any rewards program, unfortunately, meaning you can’t make any money back on your usage fees.

Credit Reporting
3.0

While borrowing activity on an Aspire® Credit Card is likely reported to at least TransUnion, the card issuer would not confirm whether they report to all three major credit bureaus.

Credit Limit
3.0

The Aspire® Credit Card offers initial limits up to $1,000. The minimum amount is unknown.

Other

We manually adjusted the final rating to account for factors like accessibility to bad-credit borrowers without a security deposit required.

Our FinanceJar Star Rating represents an objective and unbiased evaluation of this card, without influence from advertisers and affiliates. Our scores are generated by a rubric and our reviews adhere to a strict editorial process. Learn more about how we rate credit cards.

Annual Fee

$49–$175 in the first year (then $0–$49)

Credit Score

300–669

Purchase APR

22.74%–36.00% (variable)

At a Glance

The Aspire® Credit Card is an invitation-only card with no security deposit required and an initial credit limit up to $1,000. However, its complicated account maintenance fees and annual fees can cost upwards of $208 a year, and interest rates are very high.

How we rate our credit cards

Applying for a new credit card is a big decision. That's why FinanceJar's card experts carefully studied the following details of the The Reflex Mastercard® credit card to determine whether it's a good borrowing option:

  • Fees
  • Interest Rates
  • Credit Reporting
  • Security Deposit
  • Benefits
  • Borrowing Terms

These factors, among many others, are part of our 5-star credit card rating methodology for all card categories. Our star ratings are unbiased and independent of our affiliates and advertisers.

Article Sources

  1. myFICO. "What is a Credit Score?" Retrieved June 6, 2022.

Kari Dearie

Credit Cards Editor

View Author

Kari Dearie is an editor for FinanceJar specializing in credit and personal finance. She previously managed a B2B website in the data privacy and digital compliance industry.

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