Reflex Mastercard® Review

Reflex Mastercard® is a credit card issued by Celtic Bank. 

This card is designed for people who have bad credit. The minimum credit score to apply is 300.

This card has a minimum credit limit of $500.

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.

Pros & Cons of Reflex Mastercard®

The Good	The Bad
Considers applicants with fair or poor credit. Reflex Mastercard® reports to multiple credit bureaus. 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	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. High interest rates High annual fee

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

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

Reflex Mastercard® Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

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%.

Reflex Mastercard® Balance Transfers

Description
Balance Transfer APR	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

Reflex Mastercard® Rates & Terms

Description
Balance Computation	average daily balance (including new purchases)
Purchase APR	25.9% - 29.99%
Credit Limit	$500
Penalty APR	N/A
Cash Advance APR	25.9% - 29.99%
Security Deposit	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

What are the Reflex Mastercard® fees?

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® 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.