FEATURED CREDIT CARDS

Mission Lane Visa® Credit Card

Mission Lane Visa<sup>®</sup> Credit Card
  • No Annual Fee
  • Fair Credit
  • Enjoy coverage from Visa®.
    *See Card Terms

Indigo® Mastercard® - $1,000 Credit Limit

Indigo<sup>®</sup> Mastercard<sup>®</sup> - $1,000 Credit Limit
  • Get the credit limit you deserve—$1,000 guaranteed if approved
    Rates & Fees

Milestone® Mastercard® - 1.5% Cashback Rewards

Destiny Mastercard
  • $700 Credit Limit
  • No security deposit
  • Less than perfect credit is ok
    Rates & Fees

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)
    • CLICK HERE TO APPLY ONLINE

    *See Card Terms and Conditions






    FICO Credit Scores

    A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

    What is a Credit Score?

    A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

    Credit Score Facts

    1. Credit Scores range from 300-850, the higher the better.
    2. Most lenders base approval on your credit score.
    3. Higher Scores mean lower payments and better deals.
    4. Higher Scores mean Lower interest rates.
    5. Scores are determined by 5 main categories:
      • Payment History
      • Amounts Owed
      • Length of Credit History
      • Type of Credit Used
      • New Credit

    Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.

    Advertiser Disclosure:

    The card offers that appear on this site are from companies from which Gettingacreditcard.com receives compensation. 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.

    About Our Offers:

    The card offers that appear on this site are from companies from which Gettingacreditcard.com receives compensation. 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.