Reflex Mastercard® Logo

Minimum credit limit:



Annual fee:


$75 – $99



24.99% – 29.90% (variable)

Credit check:



Editorial Rating

Reflex Mastercard® Review

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Minimum credit limit:



Annual fee:


$75 – $99



24.99% – 29.90% (variable)

Credit check:



Foreign transaction fee:


3% (waived for 12 months)

Cash advance fee:


$5 or 5% (whichever is greater)

Rewards (cashback):



Bank account requirement:



Reflex Mastercard® Logo

Editorial Rating

Do you have a less than perfect credit score? One of the best ways to improve it is by maintaining an unsecured credit card. There are many options on the market, but one that stands out is the Reflex Mastercard® from Celtic Bank.

If you want to know more about this credit card, read our extensive Reflex Mastercard® review. You’ll find valuable information about the card’s fees, account management, and sign-up process. We will help you decide whether Reflex Mastercard® is suitable for your financial needs. So read on!

Reflex Mastercard® Application Process and Requirements

Similar to most credit cards, it’s quite easy to apply for the Reflex credit card because the process is entirely online. You don’t have to visit busy banks and stand in long queues. However, to be eligible for this card you’ll need to meet the following criteria:

  • Be 18 years or older (19 if you live in Alabama)
  • Have a valid Social Security Number (SSN)
  • Have a qualifying bank account
  • Have a steady monthly income
  • Be a US citizen

To fill out the online application you must have a stable internet connection. You’ll be asked to provide details, including:

  • Name
  • Date of birth
  • Address
  • E-mail
  • Phone number
  • Social Security Number
  • Total monthly income

The whole process takes just a few minutes. Besides, with Reflex credit card, you can pre-qualify without worrying about any hard inquiries on your credit report. Of course, after receiving an offer and applying for the card, the company will run a hard check to confirm your credit profile details.

Reflex Mastercard® Review

It’s important to do extensive research on the Reflex credit card before you apply so you know what you’re signing up for. We’ve got all the information you need.

Security deposit & credit limit

One of the benefits of the Reflex credit card is that it’s unsecured. You don’t have to put down a security deposit to start using it. What’s more, the initial credit limit for Reflex Mastercard® ranges from $300 to $1,000, which is relatively high compared to other types of unsecured cards.

You may also be eligible for a limit increase after six months of being a cardholder. Of course, this option will be available only if you’ve made payments to your Reflex card every month. Your credit line can double to $2,000 if you consistently take care of your account.

Reflex Mastercard® fees

One of the drawbacks of any credit card is the fees involved. Reflex Mastercard® is no different. The Reflex card’s annual fee is $75 to $99, depending on your creditworthiness. In addition, there’s a monthly maintenance fee of between $0 – $10, but it will only be billed after 12 months of being a cardholder.

When you apply for the Reflex Mastercard®, you’ll also be subjected to a $30 card fee. And for late and returned payments, you’ll be charged up to $40. To avoid those penalty fees, you must make at least a minimum payment on the 25th of every month. Still, by paying your account in full you will also avoid paying interest on your purchases. The Reflex card has a relatively high APR. The variable rate is between 24.90% and 29.99%, depending on your creditworthiness.

Lastly, you’ll be charged either $5 or 5% of the amount of each cash advance, whichever is greater. And if you’re using the card to purchase goods in another currency, you’ll be charged up to 3% of each transaction in US dollars. This fee, however, is waived for the first year.

Reporting to credit bureaus

To help you improve and build your credit, the Reflex card will report your payment activity to the three major credit bureaus – TransUnion, Experian, and Equifax.

Additionally, if you sign up for the Reflex Mastercard® e-statements, you get free access to your VantageScore 3.0 from Experian. With this feature, you can track your credit score and make any necessary improvements to help you achieve your financial goals.

Free fraud protection plan

Reflex Mastercard® offers $0 fraud liability to cardholders. With this fraud protection plan, you can have peace of mind knowing that your card is fully protected. You won’t be liable for any unauthorized charges to your card. You will only be responsible for the purchases you make.

Online account management

To make it easier for cardholders to manage their accounts, you can download the Reflex credit card mobile app onto your device. The app is compatible with iOS and Android operating systems. This means you can pay your Reflex credit card account and check your balance on the go.

Reflex Mastercard® complaints

Although this card has many benefits, there have been complaints in some Reflex credit card reviews from unhappy customers. Some cardholders state that the customer care service isn’t up to scratch. Other customers complain that they have been charged a late fee even though they paid their account on time.

Reflex Mastercard Alternatives

If the negative Reflex Mastercard® reviews make you nervous, then you can opt for one of the alternatives below. We’ve provided an extensive comparison between three cards that may be better than the Reflex Mastercard®.

Reflex Mastercard® Surge Mastercard® Destiny® Mastercard® Milestone® Mastercard®
APR 24.90% – 29.90%
24.99% – 29.99% (variable) 24.90% (fixed) 24.9% (fixed)
Credit check Yes Yes Yes Yes
Deposit No No No No
Type of card Unsecured Unsecured Unsecured Unsecured
Credit limit $300 – $1,000 $300 – $1,000 $300 $300
Annual fee $75 – $99 $75 – $99 $59 – $99 (depending on creditworthiness) $35 – $99 (depending on creditworthiness)
Foreign transaction fee 3% Up to 3% 1% 1%
Cash advance fee 5% or $5 (whichever is greater) 5% or $5 (whichever is greater) 5% or $5 (whichever is greater) 5% or $5 (whichever is greater)

Surge Mastercard® vs Reflex Mastercard®

Making a Surge vs Reflex credit card comparison is difficult due to their identical features. They are both unsecured credit cards designed for people with bad credit. The fees and credit limits are the same, as well as the fraud protection plans and the mobile apps. Marketed and issued by the same company, Surge and Reflex are pretty much the same. So choosing between them may come down to design preferences.

For more details about this card, check out our Surge credit card review.

Destiny® Mastercard® vs Reflex Mastercard®

Destiny® Mastercard® has a fixed APR of 24.90%, so there’s no chance of it increasing and putting you under financial strain. It’s also an unsecured card with a small credit line of $300, whereas the Reflex credit card limit can go up to $1,000.

Another major difference is that Destiny® doesn’t offer credit limit increases which the Reflex card does. Yet, the Destiny® Mastercard®’s foreign transaction fees are lower compared to the Reflex card.

For more details about this card, check out our Destiny® Mastercard® review.

Milestone® Mastercard® vs Reflex Mastercard®

The Milestone® credit card also has a fixed APR of 24.9%, so there isn’t a chance of it increasing. But Milestone® Mastercard® doesn’t offer a credit increase, which is why so many cardholders choose Reflex Mastercard®.

Milestone doesn’t offer a mobile app for customers, whereas Reflex Mastercard® has apps for iOS and Android users. However, Milestone® has lower foreign transaction fees compared to Reflex Mastercard®.

For more details about this card, have a look at our review of Milestone® Mastercard®.

Final Thoughts

As you can see, there are both advantages and disadvantages of being a Reflex cardholder. Although the fees are high, this card offers an excellent line of credit and a chance to increase your limit after six months.

Our review covers the most important Reflex card info, including fees, sign-up process, pros, and cons. However, we recommend you read the Reflex credit card terms and conditions thoroughly before making your final decision. If you feel that the Reflex card isn’t what you’re looking for, then consider the alternatives mentioned above.


  • Monthly reporting to all three major credit bureaus
  • Considers applicants with poor/damaged credit
  • Free access to your VantageScore 3.0 from Experian
  • Potential credit limit increase after six months


  • $30 card fee
  • High annual fees
Reflex Mastercard® Logo

Editorial Rating


Is the Reflex card legit?

Yes, the Reflex Mastercard® is a legitimate credit card issued by Celtic Bank. Similar to other types of credit cards, there are specific requirements you need to meet to be eligible for this card.

What is the highest credit limit for the Reflex credit card?

The highest credit limit offered by Reflex is $1,000. However, this amount can increase to $2,000 if you’ve made regular payments for more than six months.

Can I use the Reflex card at an ATM?

Yes, you can use your Reflex credit card at any ATM where Mastercard® is accepted. However, you may be charged additional fees for cash advances.

Does Reflex Mastercard® give increases?

Yes, as a cardholder who has maintained their Reflex card with monthly payments for up to six months, you may be eligible for a credit increase. The credit increase goes up to a maximum of $2,000.

How do I pay my Reflex credit card?

Reflex Mastercard® has an online account management system you can use to pay your bill each month. There’s also an app for iOS and Android users where you can manage your account.

What credit score is needed for a Reflex credit card?

Reflex Mastercard® considers applicants with poor or damaged credit scores. While there’s no specific minimum requirement, some customers say they were approved despite having credit scores under 500.

How long does it take to get your Reflex card?

After you apply for the Reflex Mastercard®, the company will go through your application. If you’re approved, you will receive your Reflex Mastercard® along with important information about your card within three business days.

Where can I use my Reflex credit card?

You can use your Reflex credit card anywhere Mastercard® is accepted.

Is Reflex a good credit card?

The Reflex Mastercard® is excellent for those who have poor credit or no credit score at all. It’s a good card to help you pay for higher expenses with quick money, but the fees can be hefty for some cardholders. Reading our detailed Reflex Mastercard® review may help you weigh all the pros and cons and make a decision for yourself.