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  Reflex Mastercard®

Reflex Mastercard®

in Personal Credit Cards from Celtic Bank

Unaffiliated

Reflex Mastercard®

Unaffiliated

in Personal Credit Cards from Celtic Bank

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Highlights
Highlights
Purchase APR  (Variable APR) 25.9% - 29.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 640
Annual Fee $99

Reflex Mastercard® Review

Reflex Mastercard® is a credit card issued by Celtic Bank. If you're wondering whether Reflex Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 25.9% up to 29.99%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.

Reflex Mastercard® Pros and Cons:

The Good The Bad
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus.
  • See if you’re Pre-Qualified with no impact to your credit score
  • Considers applicants with fair or poor credit.
  • Reflex Mastercard® reports to multiple credit bureaus.
  • High interest rates
  • High annual fee
  • Higher than average purchase APRs.
  • Charges an annual fee of $99
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.

Is there a Reflex Mastercard® cash back or rewards program?

No, Reflex Mastercard® does not offer a rewards program.

What are the relevant APRs for Reflex Mastercard®?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Reflex Mastercard® has higher than average purchase APRs.

Reflex Mastercard® has a variable purchase APR that ranges from 25.9% up to 29.99%. It also has a variable cash advance APR that ranges from 25.9% up to 29.99%.

Does Reflex Mastercard® have an introductory APR offer on balance transfers?

No, Reflex Mastercard® does not come with an introductory APR offer for balance transfers.

Does Reflex Mastercard® have an introductory APR offer on new purchases?

Reflex Mastercard® does not offer an introductory rate on new purchases.
Reflex Mastercard® Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Reflex Mastercard®?

The following fees apply to Reflex Mastercard®:

Reflex Mastercard® Fees
Fees Amount
Annual Fee $99
Foreign Transaction Fee 3%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does Reflex Mastercard® have a foreign transaction fee?

Reflex Mastercard® charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Reflex Mastercard® report your account activity to credit bureaus?

Reflex Mastercard® reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for Reflex Mastercard®

  • Visit the Reflex Mastercard® website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

REFLEX MASTERCARD® Disclosure: Purchase APR: 25.90% - 29.99% based on your creditworthiness when you open your account. Reflex Mastercard® charges a foreign transaction fee of 3% of each transaction in U.S. dollars.
SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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Other Services by Celtic Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 3%
Annual Fee $99
Returned Payment Fee Up to $39
Additional Card Fee Amount $30
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 640
Card Type Bad Credit
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Rewards Type No Rewards
Cash Advance APR (Variable APR) 25.9% - 29.99%
Balance Computation average daily balance (including new purchases)
Credit Limit $0
Purchase APR (Variable APR) 25.9% - 29.99%

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Purchase APR 25.90% - 29.99%
(Variable APR)
    0% 36% Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 300 - 640     300 850
Annual Fee $75 - $99     $0 $995