Reflex Mastercard®
in Personal Credit Cards from Celtic Bank
Cast your vote
Would you recommend Reflex Mastercard® to your friends?
| Community Rating |
Rating not yet determined |
| 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 & Cons
| The Good | The Bad |
|---|---|
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Reflex Mastercard® FAQ
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.| 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®:
| Fees | Amount |
|---|---|
| Annual Fee | $99 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
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?
Yes, 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 may help improve your credit.
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 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.
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Contact
- Headquarters
-
268 South State Street, Suite 300
Salt Lake City, UT 84111 - (800) 509-6191
- Visit Site
Other Services by Celtic Bank
View all personal credit cards offered by Celtic Bank
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 $40 |
| Additional Card Fee Amount | $30 |
| Late Fee Amount | Up to $40 |
Reflex Mastercard® Community Reviews
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