Reflex® Platinum Mastercard® | Bad Credit Pre-Approval
The Reflex® Platinum Mastercard® is an unsecured credit card designed for individuals with bad or limited credit who need to build or rebuild their credit history. Like other cards serviced by Continental Finance, it comes with a high fixed interest rate and significant fees. The Reflex® Platinum Mastercard® is designed for people with less than perfect credit with Credit Limit Range: $300 - $1,000 ($300, $500, $750, $1,000).
Key features
- Unsecured credit: It does not require a security deposit, which makes it an option for people who cannot afford one.
- Unsecured: Unlike secured cards, it does not require an upfront security deposit.
- Credit reporting: The card reports payment history monthly to the three major credit bureaus—Equifax, Experian, and TransUnion—allowing you to build credit with on-time payments.
- Credit limit increase: After you make your first six monthly payments on time, your initial credit limit may be doubled.
- Pre-qualification: You can check if you pre-qualify with a soft credit inquiry, which does not affect your credit score.
- Fraud protection: It includes Mastercard Zero Liability Protection against unauthorized charges.
Significant drawbacks
The card is known for its high costs and lack of benefits, making it an expensive choice for credit-building.
- Annual fee: There is an annual fee of $75 to $125.
- Monthly maintenance fee: After the first year, you may be charged a monthly maintenance fee of up to $12.50 ($150 annually).
- High APR: The card has a fixed interest rate (APR) of 35.90%, which is very high even for a card for bad credit.
- No rewards: Unlike many credit cards, the Reflex® Platinum Mastercard® offers no rewards, such as cash back or points.
- Additional fees: Other charges include a 3% foreign transaction fee and a maximum late payment fee of $41.
Is the Reflex® Platinum Mastercard® right for you?
Due to the numerous high fees and interest rate, financial experts often recommend looking for alternative options first, such as secured credit cards, which can offer a better path to building credit at a lower cost. For example, some secured cards have no annual fee and can transition to unsecured credit cards after responsible use.
However, if you cannot qualify for other credit-building cards and urgently need an unsecured card, the Reflex® Platinum Mastercard® is a legitimate option. If you are approved, experts advise making all your payments on time and paying the balance in full each month to avoid the high APR and fees.
Reflex® Platinum Mastercard®
- 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)
- Apply with Confidence! There is no impact to your credit score if you’re not approved.
Found this guide helpful? Bookmark it for future reference as you continue your financial journey!
FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
Advertiser Disclosure: The card offers that appear on this site are from companies from which Gettingacreditcard.com may receive compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.