Reflex® Platinum Mastercard®
Fast and easy pre-qualification, up to $1,000 credit. Designed to help build credit.
Updated: Jul 06, 2025
The Reflex Platinum Mastercard is a credit card purposefully designed for people who are looking to start or improve their credit score. It's issued by Celtic Bank, and reports all of its statements to all 3 of the major credit bureaus, and you as well through e-statements! This is an essential tool in any credit strategy and will help you improve your credit score in a matter of months. Although the card does come with relatively high annual fees, monthly rates, and APR, it has a lot of credit-building potential. You're also given the tools to further improve your credit score, such as a monthly credit statement for free. Here, we're going to discuss the Reflex Mastercard credit card in a full, comprehensive, and honest review. Learn how it can help you improve your credit score by reading our review below.
ANNUAL FEE
See Terms
ONGOING APR
35.90% Fixed
INTRO APR
N/A
at Reflex's Secured website
Apply NowIntroductory APR
N/A
Intro APR Period
N/A
Recommended Credit Score
Fair
Key Features
- 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)
- Checking Account Required
Our Take
People who are suffering from less-than-ideal credit have been given a tool in order to repair it, and it’s called the Reflex Mastercard credit card. Getting approved or pre-qualify for a credit card can be a real nightmare, but not with the Reflex card. This starter credit card is perhaps one of the easiest to get approved for. Even if it does come with its fair share of deterrents and cons, it comes with a couple of charming and useful features and benefits as well. Applying and getting denied a credit card can further harm your credit ratings. If it’s already suffering, you should do your best to improve it. And the best way to improve it is by using a credit card for bad credit, such as the Reflex Mastercard!
RELATED: 23 Credit Score Dont’s and Do’s
Who Is This Card for?
- The Reflex Platinum Mastercard is a credit card that is well known in the bad credit community for its utility. It’s an integral tool purposefully designed for anyone who is looking to improve their credit. Anyone with a poor credit rating can pre-qualify for this card, and the application most likely going to get approved for it too.
- People who are looking to start out and have no prior credit history can benefit from this card as well, as approval is secure and the application is both simple and streamlined.
- If you’re looking to start your credit history or repair it on the right foot, the Reflex credit card is a solid choice.
Reflex Mastercard Credit Card Benefits
When it comes to benefits, there are a couple of them. If you’re thinking about getting any rewards from using this credit card, you will be surprised to know that there are none.
Helps improve your credit
All the benefits of the Reflex Mastercard are put in place to improve your credit. One such benefit is the monthly statement you’re going to get every month, free of charge, which helps you monitor your credit scores.
Sheer spending power
Another great benefit that comes with the Reflex Mastercard is the sheer spending power you’re given. The initial spending limit is set at $300, which is already higher than most of the competition. The maximum is $1,000
Ability to increase the credit limit
This is only amplified further by the ability to increase your spending limit. This is done by being responsible for your payments. You can apply for a bigger spending limit after only 6 months of use. If you have any issues with the service, you’re going to love the 24/7 live chat support that the Reflex Mastercard offers. It also comes with a mobile app, so you can take your banking on the go.
3-bureus credit reporting
Issuer reports credit statements to all three major credit bureaus.
Are There Any Disadvantages?
The disadvantages of this credit card are subjective. They all boil down to the high fees, APR, and the possibility of a required security deposit.
Possible security deposit requirement
If your credit ratings are scraping the bottom of the applicable minimum, you might be required to put down anywhere from $50 up to 500$. This money will be refunded once you close your account.
Costly annual and monthly fees
The high APR and annual fees can be a real dent in your personal finance. You should plan on them when you’re making any purchases with this card. If you’re late on your payment, you will see your credit score decrease. The Reflex Mastercard credit card reports its statements to all 3 of the major credit bureaus. This means while it can improve your credit, it can damage it too.
No Rewards program or bonus
Card owners will not get any bonus or rewards for using the card. It is solely designed to help build credit and there are no other rewards attached.
Should You Use Reflex Mastercard?
The Reflex credit card is a proper and purpose-made credit rebuilding credit card. If you lack decent credit or any credit score at all, the Reflex Mastercard might be the ideal choice for you. Financial health is essential, and you should do everything in your power to maintain it. A good credit score guarantees a sound credit card, which comes with a variety of benefits. Some of these benefits are insurance options, mortgage options, more significant spending limits, and lower fees. If you can afford the deposit for a secured credit card, that might be a better option for you. Always take into account Reflex Mastercard’s high annual fees and APR when you’re applying for it. If you can’t afford it, don’t ask for this particular card.
Frequently Asked Questions
| Issuer: | Celtic Bank |
|---|---|
| Network: | Mastercard® |
| Category: | Consumer (Regular) |
| Review: | Full Card Review |
| Best Used For: |
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| Rewards: | No |
| Regular APR: | 35.90% |
|---|---|
| Regular APR Type: | Fixed |
| Annual Fee: | See Terms |
| Balance Transfer: | No |
| APR on Cash Advances: | 35.90% |
| Grace Period: | 25 days |
| Late Payment Fee: | See Terms |
| Other Fees: |
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Reflex® Platinum Mastercard® Alternatives
Reflex® Platinum Mastercard® |
| APPLY NOW |
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Annual Fee See Terms |
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Regular APR 35.90% |
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Intro APR N/A |
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Rec. Credit Score Fair |
IMPORTANT
*The information provided for Reflex® Platinum Mastercard® is believed to be accurate at the time of evaluation or recent update on July 06, 2025. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.
Reflex® Platinum Mastercard®
Reviews - (5 User Reviews)
July 15, 2020
Mason K.
(36-45) - Cardholder
Income on Application
$0
Credit Score
Excellent (740-850)
Credit Limit
$670
Filed for Bankruptcy
No
Excellent card to improve my credit score
I've recently lost my job, and I'm currently looking for one. Since my cash is running low and my credit score doesn't look too good, I had to find a way to rebuild and improve my credit. Now, the Reflex card is an excellent choice for that matter. Even though the card includes relatively high APR, monthly rates, and annual fees, if you use it responsibly, it can really help find your financial grounds once again. Now, my credit score is 670, which isn't that bad, but it isn't good either. I've got approved in an instant for a credit limit of $750. Now, that really made my day. I know there's no such thing as a perfect credit card, but I can only recommend this card to all who struggle with bad credit.
Fees & Charges:
3/5
Features & Benefits:
5/5
Customer Support:
4/5
Application Process:
5/5
July 7, 2020
Nick
(26-35) - Cardholder
Income on Application
$34521
Credit Score
Needs Work (300-579)
Credit Limit
$500
Filed for Bankruptcy
No
Building my credit scores the right way
I’m still in college, but I’m well aware of what kind of trouble you can get into if you don’t have a good credit score. I want to start a family and a private business in a few years, and that’s why I want to make sure that my credit score is as high as possible.
I don’t care about high annual fees, I just want to watch that number go up. Right now, my credit score is slowly rising, and by the time I graduate, I’ll be suitable for any kind of cash loans.
Fees & Charges:
2/5
Features & Benefits:
5/5
Customer Support:
5/5
Application Process:
4/5
June 30, 2020
Michael
(46-55) - Cardholder
Income on Application
$68000
Credit Score
Good (670-739)
Credit Limit
$500
Filed for Bankruptcy
No
High fees, but builds credit fast
I almost didn’t apply for this card because of high fees. I'm so glad I did – my credit score is rising fast! It went up by 125 points in 4 months! Several months more, and I'll finally have EXCELLENT CREDIT!
To anyone who’s not sure about Reflex: you won't regret applying. Just be mindful of your spending, don’t be late with payments, and you’ll be fine. The only thing that may turn you away are those high fees. But if you can afford them, there's no reason not to apply. And applying is super easy and fast.
Don't expect rewards points, bonuses, or anything other than building your credit. But that’s what this card is for, and it does so brilliantly.
Fees & Charges:
2/5
Features & Benefits:
4/5
Customer Support:
5/5
Application Process:
5/5
Reflex® Platinum Mastercard®
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