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Reflex® Platinum Mastercard®
in Credit Cards from Celtic Bank
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Reflex® Platinum Mastercard®

Claimed
in Credit Cards from Celtic Bank
SuperMoney Net Recommendation Score -44  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -44, equating to 2.1 on a 5 point rating scale.

-44

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly not recommended

2 users recommend
1 user is unsure
6 users don't recommend
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Highlights
Community Rating Mostly not recommended
Purchase APR  (Variable APR) 29.99%
(Verified 11/13/2023)
Balance Transfer APR  (Variable APR) N/A
(Verified 11/13/2023)
Credit Score Range 300 - 640
Annual Fee $75 - $125
Number of Reviews 9

Reflex® Platinum Mastercard® Review

This is a card issued by Continental Finance. If you're wondering whether Reflex Platinum Mastercard® is the right card for you, read on.

Key Takeaways

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 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 have relatively good approval odds.

Pros & Cons of Reflex Platinum Mastercard®

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 credit.
  • Reflex® Platinum Mastercard® reports to multiple credit bureaus.
  • High interest rates
  • High annual fee
  • Higher than average purchase APRs.
  • Charges an annual fee as low as $75. up to $125
  • 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.

Reflex Platinum Mastercard® FAQ

Does Reflex Platinum Mastercard® have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Reflex Platinum Mastercard® benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Reflex Platinum Mastercard®?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Reflex® Platinum Mastercard® has a variable purchase APR of 29.99%. It also has a variable cash advance APR of 29.99% .

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

No, it does not come with an intro APR offer for balance transfers.

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

This card does not offer an intro APR rate on new purchases.

What are the fees for Reflex Platinum Mastercard®?

The following fees apply:

Reflex® Platinum Mastercard® Fees
Description
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 3%
No Annual Fee?
Annual Fee $75 - $125
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $41
Additional Card Fee Amount $30
Late Fee Amount Up to $41

This card charges a $75 annual fee.

Does Reflex Platinum Mastercard® have a foreign transaction fee?

Reflex Platinum 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 foreign transaction fees.

What is the customer service phone number for Reflex Platinum Mastercard®?

The Reflex Platinum Mastercard® customer service number is (800) 509-6191.

What is the support contact email for Reflex Platinum Mastercard®?

The support contact email for Reflex Platinum Mastercard® is info@celticbank.com.

What is the Reflex Platinum Mastercard® login page?

You can access the Reflex Platinum Mastercard® login page here.

How do people rate the customer service and user experience of Reflex Platinum Mastercard®?

Overall, Reflex Platinum Mastercard® is mostly not recommended based on community reviews that rate customer service and user experience.

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

Yes, Reflex® Platinum 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 Platinum Mastercard®

  • Visit the Reflex Platinum 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® Platinum Mastercard® Disclosure: Purchase APR: 29.99% Reflex Mastercard® charges a foreign transaction fee of 3% of each transaction in U.S. dollars. Annual fee: $300 credit limit, $75 annual fee in year 1, $99 annual fee in year 2. $500, $750, $1,000 credit limits, $125. Purchase and cash advance APR: 29.99% This APR will vary with the market based on the Prime Rate. Foreign transaction fee: Surge 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

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Availability

  Available in 49 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $5
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 3%
Annual Fee $75 - $125
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $41
Additional Card Fee Amount $30
Late Fee Amount Up to $41
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 640
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 29.99%
APR Type Variable APR
Balance Computation average daily balance (including new purchases)
Credit Limit $300 - $2,000
Purchase APR (Variable APR) 29.99%
(Verified 11/13/2023)
Card Type
  • Bad Credit
Card Network Mastercard

Reflex® Platinum Mastercard® Community Reviews

 

Would you recommend Reflex® Platinum Mastercard® to your friends?

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -44, equating to 2.1 on a 5 point rating scale.

-44

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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