Reflex Mastercard®

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Last updated on April 27th, 2021

Reflex Mastercard® Credit Card

All Credit Types Welcome to Apply

Reflex Mastercard® Credit Card
  • Regular Purchase APR See Terms*
  • Cash Advance APR See Terms*
  • Annual Fee See Terms*
  • Credit Needed Good , Fair , Poor
  • Processing Network Mastercard
Best Benefits
  • See if you’re Pre-Qualified with no impact to your credit score
  • 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
  • Use your card at locations everywhere Mastercard® is accepted
Rates & Fees
  • Regular Purchase APR: See Terms*
  • Cash Advance APR: See Terms*
  • Cash Advance Transaction Fee: See Terms*
  • Annual Fee: See Terms*
  • Foreign Transaction Fee: See Terms*
  • Late Payment Penalty Fee: See Terms*
  • Return Payment Penalty Fee: See Terms*
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At a Glance

The Reflex Mastercard®, issued by Celtic Bank, is one of many credit cards for bad credit or no credit score at all. The card charges a variable interest rate and has a lower-than-average line of credit, though this credit line may increase with financial responsibility. Despite its included fees and APR, this can be an ideal card for those looking to build up their credit.

Ideal for Those Who:

  • Have poor credit or no credit and want to build up a positive credit history
  • Want to know their interest rate before they apply
  • Don’t want a secured card or to pay an initial security deposit
  • Would like the option of joining a credit protection program

Reflex Mastercard® Review

The Reflex Mastercard is a basic credit card whose focus is being a payment solution that also helps to build credit. There are multiple benefits to this card, like a credit protection program and a maintenance fee waiver for the first 12 months. Keep reading to learn more about the details of this credit card.

No Credit? No Problem!

The Reflex credit card is ideal for people with no credit or imperfect credit. In fact, consumers with all credit types are invited to apply for this credit card.

Now, keep in mind that because good credit is not needed to be approved for this credit card, it does feature higher interest rates than some other options – particularly options like the First Progress Bank secured credit cards or the OpenSky Visa. Additionally, there are several types of fees associated with this card that may not be present with other similar credit cards. However, once you have established a good enough credit rating with this credit card, you can apply for another one with much better terms.

Fees to Use the Reflex Mastercard

The Reflex credit card includes some regular fees that all cardholders must pay in order to use their credit cards. This card features an annual fee that is higher for the first year that you have an account. This is considered a set-up fee.

The annual fee decreases slightly after a cardholder’s initial year of having the account.

In addition to the annual fee, cardholders must pay a monthly maintenance fee. Fortunately, this fee is waived for the first year, saving cardholders money while they build their credit by paying their card account bills on time.

What Are Some Similar Cards to the Reflex Mastercard to Consider?

milestone mastercard

Milestone® Gold Mastercard

The Milestone Gold Card is designed with those with bad credit in mind. The card offers a fixed-rate APR & quick prequalification

Why Choose the Milestone Gold?

The Milestone Gold features a slightly lower APR than many other credit cards for bad credit. It also features quick prequalification, no credit score impact, and more!
Read Review

Indigo® Platinum Mastercard®

The Indigo Platinum is a credit card that is designed specifically for applicants with poor or no credit.

Why Choose the Indigo Card?

The Indigo Card is rapidly becoming recognized as a top credit card people with less-than-perfect credit. It's great for anyone who wants to establish, build, or repair their credit score.
Read Review
destiny credit card

Destiny™ Mastercard®

The Destiny Mastercard doesn’t care about your credit past. Instead, it wants to be your go-to tool on your credit repair journey - making it perfect for those with bad credit.

Why Choose the Destiny Card?

The Destiny Card is an ideal option for those with bad credit – or even a bankruptcy. The card offers a reasonable credit limit, regular credit bureau reporting, and the perfect platform for boosting your credit score.
Read Review

Continental Credit Protection

Reflex Mastercard cardholders also have access to the optional credit protection program for a surcharge. This service is available through the Continental Finance Company. You pay $0.99 for every $100 of outstanding balance you have on your credit account. Once you sign onto the program, that amount is automatically billed to you each month.

This benefit serves as a debt cancellation program in the event that the cardholder loses his or her job or becomes disabled. If you participate in this program, it will cover up to 12 consecutive minimum monthly payments if you meet the qualifications. This program will also pay off any balance in full if the cardholder passes away.

You can find more information and apply for this program in the terms and conditions.

Other Card Features

  • No deposit required
  • Wide initial credit limit range
  • The potential for a credit limit increase after six months
  • Zero fraud liability
  • Regular reporting to the major credit bureaus (Equifax, Experian, and TransUnion) to help improve your credit report

Unsecured credit cards for bad credit make raising your credit score a reality – and the Reflex Card is one of the most popular options on the market today. Continental Finance and its credit card products have an A+ rating from the Better Business Bureau (BBB), and thousands of Americans use its products to boost their credit scores.

surge card

Monthly Credit Reporting

Monthly reporting to the three major credit bureaus - TransUnion, Experian, and Equifax

surge card

Free Credit Score

Free access to your Vantage 3.0 score from TransUnion when signing up for e-statements

surge card

Mastercard Protection

$0 fraud liability, auto rental insurance, price protection, and EMV chip card

Should You Apply for the Reflex Mastercard®?

Reflex Card is a financial product that is ideal for those who have no credit or bad credit scores and cannot get approved for other credit cards. Celtic Bank is a reputable financial institution, and the Reflex credit card is a quality option if you are looking to improve your credit score and plan to pay your bill in full every month.

This process is made even easier with Celtic Bank and Reflex Card’s online payment portal. Because payments are so crucial to building a good credit score, this online bill pay feature is a real time saver.

If you are looking to repair your credit and need added securities in place, then this card’s lower credit limits and credit protection program can help you avoid falling into unmanageable debt. The card also waives the first year of maintenance fees, which can save you some money, especially if you are considering upgrading to a better credit card in the short term.

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