Advertiser Disclosure

Reflex® Platinum Mastercard®: Up to $1,000 Starting Limit

Cory Santos

| Last updated on April 25th, 2024

Reflex® Platinum Mastercard®

Reflex® Platinum Mastercard®
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Fair / Poor
Mastercard Processing Network
$75 - $125 Annual Fee

Reflex® Platinum Mastercard®

  • 35.90% (Fixed) Regular Purchase APR
  • See website for details* Cash Advance APR
  • See website for details* Intro Purchase APR

At a Glance

The Reflex Mastercard® 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.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Online account access 24/7
  • Checking Account Required
  • Intro Purchase APR: See website for details*
  • Regular Purchase APR: 35.90% (Fixed)
  • Cash Advance APR: See website for details*
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whchever is greater
  • Annual Fee: $75 - $125
  • Foreign Transaction Fee: 3% of the transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
  • You have poor credit or no credit and want to build up a positive credit history
  • You want to double your credit line by up to $1,000 by making your first six monthly minimum payments on time
  • You don’t want a secured card or to pay an initial security deposit
  • You would like the option of joining a credit protection program
Reflex® Platinum Mastercard®

Reflex® Platinum Mastercard®

Terms & Conditions

In-Depth Review: Reflex® Platinum Mastercard®

The Reflex® Platinum Mastercard® is a basic credit card designed to serve as both a payment solution and a tool for building credit. This card offers several benefits, including a credit protection program and a waiver of maintenance fees for certain cardholders after the first 12 months.

Who Can Benefit from Reflex?

The Reflex Platinum Mastercard can be beneficial for the following types of individuals:

No Credit? No Problem

Those with a limited credit history or working on building their credit may benefit from the Reflex Platinum Mastercard. Since it’s not a secured card, it can be a suitable option for establishing or improving credit without requiring a security deposit.

People Rebuilding Credit

Individuals who are in the process of rebuilding their credit may find the Reflex Platinum Mastercard useful. While it doesn’t offer rewards, it can still provide an opportunity to demonstrate responsible credit management, which is essential for improving credit scores (and is a reward in itself).

Those who are in the process of rebuilding their credit may find the Reflex Card useful. While it doesn’t offer rewards, it can still provide an opportunity to demonstrate responsible credit management, which is essential for improving credit scores (and is a reward in itself).

How to Get the Reflex Mastercard

Credit Requirements

You can still be approved for the Reflex Card even with fair to poor credit. However, please note that applicants with lower credit scores may have different terms and conditions.

Pre-Qualify Before Applying

One great feature of the Reflex® Mastercard® is the ability to pre-qualify without worrying about damaging your credit. This feature provides valuable insight and helps you effectively prepare to obtain your card. If you don’t qualify, your credit will not be affected.

Continental Finance has the following rules regarding who is eligible for its credit cards:

  • Age: Applicants must be at least 18 years of age.
  • Social Security Number (SSN): Applicants need to provide a SSN to prove U.S. citizenship and eligibility.
  • U.S. address: Applicants must provide a United States mailing address; PO Boxes are not allowed.
  • Proof of income: Applicants need to provide proof of income and demonstrate the ability to make the minimum monthly payment.
  • Bank account: Applicants need to provide a valid checking or savings account to link to the card for payments.
  • Credit: Bad credit (sub 500 FICO Score) or better required.

Credit Building Benefits

The Reflex Mastercard is one of many credit booster cards for near-prime and subprime credit scores. As such, it comes with many features you might expect from a card of this variety.

One of the key advantages of this card is its ability to help you build or rebuild your credit history. The Reflex Mastercard can improve your credit score with responsible use and timely payments. This is especially beneficial for individuals who may have had past credit issues or are new to credit.

Double Your Credit Line in 6 Months

Like the Surge Mastercard, the Reflex credit card, another offering from Continental Finance, allows cardholders to double their credit line within six months of opening an account.

New accounts start with a modest credit limit, ranging from $300 to $1,000. Continental Finance regularly monitors cardholders’ credit growth to identify potential increases in their credit limit.

If you use the card responsibly, which means making your payments on time every month and keeping your overall credit utilization low, Reflex may reward you with more credit within six months. By making your first six monthly minimum payments on time, Reflex will raise your credit limit, effectively doubling your purchasing power.

Other Card Benefits

Other features of the Reflex Mastercard include:

Continental Credit Protection

Reflex Mastercard cardholders can access the credit protection program for an additional fee. The Continental Finance Company provides this program. The cost is $0.99 for every $100 outstanding balance on your credit account, and this amount is automatically billed to you each month once you sign up.

This program offers debt cancellation if the cardholder loses their job or becomes disabled. If you qualify for the program, it will cover up to 12 consecutive minimum monthly payments. Additionally, if the cardholder passes away, the program will pay off the entire balance.

Credit Score Access

Cardholders who enroll in e-statements also receive complimentary access to their credit score. The application process is simple, and it allows you to view your credit score on a monthly basis. This enables you to see how actions such as making your monthly payments on time impact your credit score each month.

Mastercard Benefits

Cardholders also enjoy basic protections through the Mastercard payment network. The Reflex credit card is a Platinum Mastercard product featuring the following essential benefits:

  • Zero Liability Protection
  • Mastercard Global Services
  • ID Theft Protection


The Reflex Mastercard compares to several other near-prime card options. These include the Fortiva® Mastercard®, Surge® Platinum Mastercard®, Aspire® Cashback Rewards, and Total Visa® Card.

All the cards provide an online pre-qualification tool before applying, which is great for anyone concerned about dinging their credit score should they not qualify for the card.

Additionally, all the cards charge an annual fee, but exactly what that yearly charge will be depends not just on the card, but also your credit worthiness. Fortiva® Mastercard® charges a fee ranging from $49 to $175 for the first year, with subsequent years having a fee of up to $49. On the other hand, the Surge® Platinum Mastercard® has an annual fee ranging from $75 to $99. The Aspire® Cashback Rewards and Total Visa® Card have similar fee structures, with the first year costing $49 to $175 and subsequent years having a fee of up to $49 for the former, and an initial fee of $75 followed by $48 for the latter.

In terms of rewards, the Fortiva® Mastercard® and Surge® Platinum Mastercard® do not offer any rewards program. However, the Aspire® Cashback Rewards card provides 3% cash back on gas, groceries, and utilities, along with 1% cash back on all other eligible purchases. Similarly, the Total Visa® Card offers 1% cash back on all purchases.

What We Like About Reflex

Bad Credit Welcome

The Reflex® Platinum Mastercard® is available to applicants with all types of credit. It offers the convenience of prequalifying in seconds without impacting your credit score. Most applicants are not required to provide a security deposit and will receive a decent credit limit.

This card is designed to help you build credit. It reports your timely payments to the three major credit bureaus and allows you to increase your credit line in as little as six months. It also offers $0 liability for fraudulent charges and free access to your Vantage 3.0 score from Transunion.

Things to Consider

Pay Attention to the Fees

Before applying for the Reflex Mastercard, one of the most important factors to consider is the fees associated with the card. The card comes with various fees; the exact amount will only be known after you prequalify.

The card has a variable annual fee ranging from $75 to $125 per year. Additionally, there is a monthly maintenance fee, which Reflex waives for after the first year for cardholders with credit limits of $750 or $1,000. It is crucial to carefully read the fine print before finalizing your application to avoid unexpected fees.


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.

Reflex Rating

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

Should You Apply for the Reflex® Platinum 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. Continental Finance 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 the 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 Card Offers:

Editorial Disclosure – The opinions expressed on's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.

Advertiser Disclosure

BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.