Reflex Mastercard ® 2020 Review ... After you click on an offer you will be directed to the credit card issuer's web site where you can review the terms and conditions for your offer. Featured Credit Cards for Bad Credit, Pre-Qualification, First Progress Platinum Select MasterCard® Secured Credit Card, Applied Bank® Unsecured Classic Visa® Card, Merrick Bank Secured Visa® from Merrick Bank, Indigo® Mastercard® for Less than Perfect Credit, Indigo® Mastercard® with Fast Pre-qualification, Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay, Credit One Bank® Unsecured Visa® for Rebuilding Credit, Credit One Bank® Unsecured Visa® with Cash Back Rewards, First Progress Platinum Prestige MasterCard® Secured Credit Card, The First Progress Platinum Elite MasterCard® Secured Credit Card, Milestone® Mastercard® - Unsecured For Less Than Perfect Credit, Milestone® Mastercard® - Less Than Perfect Credit Considered, Self - Credit Builder Account + Secured Visa® Credit Card. They may also increase your interest rate if your credit history shows that you regularly exceed your credit limit, and your credit score may be negatively affected. All this budgeting isn’t necessary with most other credit-building cards. You’ll find Reflex worth checking out because they work with people of all credit types. The monthly/annual fee will be billed to the credit card or other billing source provided by you when you purchased credit monitoring, on the first day of your purchase and each successive membership term. Get up to 1% cash back rewards on eligible purchases determined by Credit One and double cash back rewards at the NASCAR Shop. Consider applying for this card if you really want it, but you can find a better credit-building card elsewhere. It can help you build credit, but watch out for high fees and interest. Keep reading to learn more about the details of … Finder is committed to editorial independence. CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. Mention … As a friendly reminder, check the eligibility requirements of the card before proceeding with your application. Reflex Mastercard® has higher than average purchase APRs. To ensure you have the most up to date information, you should verify relevant information with the product or service provider and understand the information they provide. Reflex could offer adjustable credit limits depending on your overall financial situation. After your first year, you’ll pay the annual fee plus a monthly maintenance fee — which means you pay more overall in your second year. 32 East 31st Street, 4th Floor, Thank you so much for having this available for people who are in my shoes!! Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by Finder.com LLC. The card is a full-service credit card that can be used anywhere that Mastercard is accepted and charges a high APR. Finder.com is an independent comparison platform and information service that aims to provide you with information to help you make better decisions. As it says on the terms and conditions of the card, upon approval, you will be granted a credit limit of $500. In some cases, you may be required to provide a security deposit to qualify for a credit card. I stopped using the REFLEX Card 3 months after I got it. Hope this was helpful. But make sure to budget for setup, maintenance and annual fees. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The Reflex Mastercard® Credit Card is issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC under license from Mastercard® International. One of my favorite things to do is to review these cards, in the hopes that somebody will read the review before thinking about applying and end up with a vast array of much better options. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. We may receive compensation from our partners for placement of their products or services. New York, NY, 10016. It’s a great card that has given me the opportunity to now rebuild my credit. Enter the confirmation code sent to your smartphone. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s). Yes you can make online purchases with the Reflex Mastercard. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. A new page will appear asking you to enter your personal details including name, mobile number, address, and others. The Reflex Mastercard is one of a few credit cards by Continental Finance that is issued by Celtic Bank. The Reflex Mastercard® Credit Card is designed to help people with no credit history or a low credit score. Note that the card’s purchase APR is 29.99% variable. Plus, they can pre-qualify you without the inquiry showing up on your credit report. Will this card allow me to go over my available credit limit. There may be a pin involved so it would be best to contact Reflex for further instructions. Founded in 2005, CFC prides itself on its corporate responsibility to customers in terms of providing three cornerstone characteristics: a strong customer support program, fair treatment, and responsible lending. To get a cash advance from a Reflex MC, you can use an ATM to withdraw a cash advance from Reflex. Celtic Bank’s Reflex Mastercard may be a viable option to help. Hope this helps and feel free to reach out to us again for further assistance. It’s normal to have several prepaid Credit Card offers when scouring the market for a Credit Card with poor credit. Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens a Card … $75 intro annual fee for the first year ($48 thereafter). The Reflex MasterCard falls in this category, and it would be wise to look at some tips on getting a Credit Card with poor credit. This is a rare offer among similar cards. We may receive payment from our affiliates for featured placement of their products or services. It can help you build credit, but watch out for high fees and interest. 1. Cards are issued by Celtic Bank and serviced by Continental Finance Company. To ensure your security, new cards can only be activated over the phone. It belongs to the Mastercard credit card network but is issued by Celtic Bank … If your credit card has a PIN, you can get cash advances directly from an ATM. Please note though, that in some cases additional information is needed as part of the application process, so it could take up to 30 days before they can give you a decision. A Reflex Mastercard ® with an initial credit limit that ranges from $300 to $750 gives you the financial clout you need. This is an interesting card because it can be both an unsecured credit card and a secured one as well depending on whether they approve you for … Thanks for getting in touch. Additionally, your credit card may be charged a non-refundable $1 fee. The Reflex Mastercard ® Credit Card is issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC under license from Mastercard ® International. Steven Dashiell is a credit cards writer at Finder. I hope this helps. You may be asked to make a deposit for a secured card 25.9% to 29.99% variable $75 to $99 580 Made for people with poor credit who want an unsecured credit card. I recommend getting a $300 secured Discover card and make timely payments for 6 months. Thanks for getting in touch! Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. Given expensive fees, a high APR and a general lack of features, the Reflex Mastercard® Credit Card isn’t a helpful choice for building credit. No. Also, read about its features and benefits and see how it fits your financial needs. This is higher than you’ll find with many other secured and unsecured cards for building credit, which average a variable APR of 20%. Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion. The Reflex Mastercard has a lot in common with its credit-building sibling, the Surge Mastercard. Cardbenefit.com does not include all advertisers or all available personal finance offers. Enter your Social Security number and financial information, then click. You’re charged a flat annual fee in the first month that covers your first year. Made for people with poor credit who want an unsecured credit card. Review: Reflex Mastercard® Credit Card. ? We strive to ensure our content is clear and honest. All you need to apply for an Reflex Mastercard® credit card is the info below: To be eligible for the Reflex Mastercard® card, you must be at least 19 years old and have a social security number. The Reflex Mastercard® Credit Card comes with a host of fees, including a $75 to $99 annual fee, a monthly fee of $0 to $10 starting from the second year, and you’ll get a high APR between 25.9% to 29.99% variable with no grace period. You may have experienced a difficult financial time and need a card that can help rebuild or establish your credit, with responsible card use. Reflex Mastercard® Credit Card All Credit Types Welcome to Apply If you are unsure, you should get independent advice before you apply for any product or commit to any plan. Complete other required information, then review and submit your application. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. While not a guarantee of approval, being prequalified will give you some peace of mind about your odds of approval. You may also reach out to the bank if you have any clarifications. 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