Reflex® Platinum Mastercard® Review: Credit Limit, Fees and Pre-Approval
The Reflex® Platinum Mastercard® is an unsecured credit card for people with less-than-perfect credit, with starting credit limits of $300, $500, $750 or $1,000 and a pre-qualification process that does not affect your credit score. The card reports monthly to the three major credit bureaus and may offer a credit-line increase after your first six monthly minimum payments are made on time. The tradeoff is a 35.90% fixed APR along with annual and other fees that can take a significant amount of a relatively small starting credit line.
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What Is the Reflex Platinum Mastercard?
The Reflex Platinum Mastercard is an unsecured credit card designed for consumers with less-than-perfect credit. Because it is unsecured, you do not have to provide a security deposit to establish the account.
The Reflex Platinum Mastercard is issued by Celtic Bank and serviced by Continental Finance Company. It can be used anywhere Mastercard® is accepted and includes Mastercard Zero Liability Protection for unauthorized purchases.
The card has four possible starting credit limits: $300, $500, $750 or $1,000. The specific credit limit you receive depends on the credit decision for your account.
Can You Pre-Qualify for the Reflex Platinum Mastercard?
Yes. The Reflex Platinum Mastercard has a pre-qualification process that allows you to see whether you may qualify without an impact to your credit score.
Pre-qualification is not a guarantee that you will be approved for the card. If you proceed with an application, the issuer can review your credit information as part of the final credit decision.
➤ See if you Pre-Qualify for the Reflex Platinum Mastercard
What Is the Reflex Platinum Mastercard Credit Limit?
The Reflex Platinum Mastercard has starting credit limits of $300, $500, $750 or $1,000. Your specific starting limit is determined when your application is evaluated.
The advertised credit limit is not necessarily the same as the amount of credit you will initially have available to spend. Certain account-opening and maintenance fees can be charged against the account, reducing your initial available credit.
Can the Reflex Platinum Mastercard Increase Your Credit Limit?
Yes, your initial credit limit may be doubled after you make your first six monthly minimum payments on time. For example, a $500 starting credit limit could potentially increase to $1,000.
The increase should not be treated as an automatic guarantee. The Reflex program describes the higher limit as a possibility after the first six monthly minimum payments are made on time.
Does the Reflex Platinum Mastercard Report to the Credit Bureaus?
Yes. The Reflex Platinum Mastercard reports payment history monthly to Equifax, Experian and TransUnion.
Monthly reporting gives you the opportunity to establish or rebuild a revolving credit history through responsible use of the account. On the other hand, late or missed payments can negatively affect your credit history.
What Is the Reflex Platinum Mastercard APR?
The Reflex Platinum Mastercard has a 35.90% fixed APR. Mastercard currently lists the card with a 35.90% fixed regular APR and no introductory purchase APR.
The purchase grace period is at least 25 days after the close of a billing cycle when the applicable requirements are met. The current account-opening disclosure also states that interest on cash advances begins on the transaction date.
Because the APR is high, carrying a balance from month to month can become expensive. Paying the balance in full by the payment due date can help you avoid purchase interest when the account's grace-period requirements are satisfied.
What Are the Reflex Platinum Mastercard Fees?
The Reflex Platinum Mastercard has an annual fee ranging from $75 to $125, depending on the offer and credit limit. Mastercard currently lists the annual fee as $75–$125.
The specific fee structure can vary according to the credit limit and offer you receive. A current Reflex account-opening disclosure, for example, shows a $125 annual fee on a $750 credit limit and also explains that certain setup and maintenance fees can be assessed before the card is used.
Other fees can also apply, including fees for cash advances, foreign transactions, late payments, returned payments and additional cards. The exact fees applicable to your account are disclosed in the terms associated with your particular offer.
Can Reflex Fees Reduce Your Initial Available Credit?
Yes. This is especially important when the starting credit limit is only $300, $500 or $750.
Certain fees can be assessed when the account is opened and charged against the account. As a result, the amount of credit initially available for purchases can be lower than the credit limit you were assigned.
For example, a current Reflex disclosure specifically explains that certain setup and maintenance fees can reduce the initial available credit. One example in that disclosure shows a $750 credit limit with $625 initially available after applicable fees.
That is why you should look at the actual terms of the Reflex offer you receive rather than focusing only on the advertised credit limit.
Does the Reflex Platinum Mastercard Have Rewards?
No. The Reflex Platinum Mastercard does not offer a cash-back or points rewards program.
The primary purpose of the card is to provide unsecured revolving credit and an opportunity to establish a payment history through responsible account use. If rewards are important to you, the Reflex Platinum Mastercard does not provide a rewards program to consider when making that comparison.
Does the Reflex Platinum Mastercard Have Fraud Protection?
Yes. The Reflex Platinum Mastercard includes Mastercard Zero Liability Protection for unauthorized purchases, subject to Mastercard's applicable guidelines. Mastercard currently lists this protection as a feature of the Reflex card.
Is the Reflex Platinum Mastercard Available in Every State?
No. The Reflex Platinum Mastercard currently does not do business in Colorado, Minnesota, Washington or West Virginia.
If you live in one of those states, you cannot currently apply for the Reflex Platinum Mastercard. See our pages for Colorado, Minnesota, Washington and West Virginia for more information.
Is the Reflex Platinum Mastercard Worth Considering?
It depends on your credit situation and the specific offer you receive. The Reflex Platinum Mastercard provides unsecured credit without requiring a security deposit, reports monthly to all three major credit bureaus and may provide a higher credit limit after six on-time monthly minimum payments.
The costs are an important part of the decision. The card has a 35.90% fixed APR, an annual fee of $75 to $125 depending on the offer, and other fees that can reduce the amount of your initial available credit.
If you are considering the Reflex Platinum Mastercard, look at the specific credit limit, annual fee, account-opening fees and other charges associated with the offer before accepting the account.
Reflex Platinum Mastercard Bottom Line
The Reflex Platinum Mastercard provides unsecured credit to consumers with less-than-perfect credit, with starting credit limits of $300 to $1,000, pre-qualification without an impact to your credit score and monthly reporting to all three major credit bureaus. The program may also double your initial credit limit after you make your first six monthly minimum payments on time.
The main issue to examine is the cost. The card has a 35.90% fixed APR and annual and other fees that can consume a meaningful portion of a relatively small starting credit line.
If you receive a Reflex Platinum Mastercard offer, read the specific terms associated with that offer carefully, particularly the credit limit, annual fee and any fees that may be charged when the account is opened.
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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.
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FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
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