Reflex Mastercard®

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Last updated on July 28th, 2022

Reflex Mastercard® Credit Card

Reflex Mastercard® Credit Card

Reflex Mastercard® Credit Card
  • Regular Purchase APR 24.99% - 29.99% (Variable)
  • Cash Advance APR See Terms*
  • Annual Fee See Terms*
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Good , Fair , Poor
  • Processing Network Mastercard
Best Benefits
  • 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
  • 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
Rates & Fees
  • Regular Purchase APR: 24.99% - 29.99% (Variable)
  • Cash Advance APR: See Terms*
  • Cash Advance Transaction Fee: See Terms*
  • Annual Fee: See Terms*
  • Foreign Transaction Fee: See Terms*
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
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Reflex Mastercard® Credit Card

Reflex Mastercard® Credit Card

Terms & Conditions

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 can double in six months 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 double their credit line by up to $1,000 by making their first six monthly minimum payments on time
  • 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®
  • $300 credit limit
  • Quick, online pre-qualification
  • $35 to $99 annual fee

Indigo® Mastercard®
  • $300 credit limit
  • Pre-qualify with no credit impact
  • $0 to $99 annual fee

Destiny® Mastercard®
  • $500 credit limit
  • Easy pre-qualification with no credit check
  • $125 annual fee for the first year; $49 thereafter

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 Experian when signing up for e-statements

surge card

Mastercard Protection

Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines), auto rental insurance, price protection, and EMV chip card

FAQs About the Reflex Mastercard

Here are some answers to commonly asked questions about the Reflex Mastercard:

  • Yes. After six months of responsible account management, inlcuding paying off monthly minimum balances and avoiding late payments, cardholders may be offered a credit limit increase.

Yes, if you have a cash advance PIN. 

Currently $2,000 is the maximum credit limit with the Reflex Card.

Card Availability

The Reflex Mastercard is currently available to applicants in all 50 U.S. states and the District of Columbia.

Reflex Mastercard Card Ratings

How does the Reflex Card stack up? Here are a selection of expert reviews for the card:

4.75/5
5/5
5/5

User Rating

5/5

User Testimonials

What is the Reflex Mastercard Secured Credit Card like to live with? Before deciding if the card is right for you, here’s what our readers and members think about the card:

duskindonovin513
duskindonovin513
Read More
Great credit card you just have to watch your spending.... I would recommend family and friends to get this card and use it wisely
mgale87
mgale87
Read More
I was instantly approved for a $1000 credit line with fair credit (around 600 or so) but a lot of rebuilding activity in the last year, as well as a fairly high, six-figure income. That makes this card my highest CL out of any of my cards. I also was approved with no monthly fees, just the annual fees. Since this is my newest account my plan is to use the card for a year, at which time I should have multiple cards with at least a $1000 limit. At that point I plan to close the account before the annual fee hits because there will no longer be a need for me to pay an annual fee to access credit. But overall I am very pleased with having this card in my wallet for emergencies and the like.
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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.

Browse Other Credit Cards from Celtic Bank:

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