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%.

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® 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.