Is Reflex® Platinum Mastercard® the right fit for you?
Last Updated: 04/01/2026
SuperMoney User Recommendation Score -36
Mostly not recommended11 total votes
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Highlights
Community Rating
Mostly not recommended
Purchase APR (Fixed APR)
35.90%(Verified 04/01/2026)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
35.9%(Verified 04/01/2026)
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Credit Score Range
300 - 640
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Annual Fee
$75 - $125
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Number of Reviews
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
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- APR: This is not a great card for people who carry a balance. It has a fixed purchase APR of 35.90%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Reflex Platinum Mastercard®
| The Good | The Bad |
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Reflex Platinum Mastercard® FAQ
Does Reflex Platinum Mastercard® have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Reflex® Platinum Mastercard® has a fixed purchase APR of 35.90%. The card has a fixed balance transfer APR of 35.9% . It also has a fixed cash advance APR of 35.90% .
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®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $75 - $125 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $75 up to $125.
Does Reflex Platinum Mastercard® have a foreign transaction fee?
Reflex Platinum Mastercard® charges a foreign transaction fee of up to 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 customer service number for Reflex Platinum Mastercard® 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.
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 to the following credit bureaus:
- 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 build your credit.
Does Celtic Bank perform a hard credit pull?
Yes, Reflex Platinum Mastercard® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Reflex Platinum Mastercard®
- Visit the website of Reflex Platinum Mastercard®.
- 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
Headquarters
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
Other Services by Celtic Bank
Other Credit Cards from Celtic Bank
Sponsored
Surge® Platinum Mastercard®
Sponsored
Purchase APR
35.90%
Disclaimer popup with additional information
Balance Transfer APR
35.9%
Disclaimer popup with additional information
Credit Score Range
300 - 640
300
850
Annual Fee
$75 - $125
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
24.9%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
350 - 600
300
850
Annual Fee
$75 - $99
Rating not yet determined
Purchase APR
14.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$149
SuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -36, or 2.3 on a 5-point rating scale.
-36
-1000+100
No one recommends
Everyone recommends
Reflex® Platinum Mastercard® Community Reviews
Would you recommend Reflex® Platinum Mastercard® to your friends?
JC
Jessica C.
Jan 22, 2024
May or may not recommend
Reflex is for people who have poor credit and are building or no credit. The interest rate is through the roof. Late payments are extremely high with fees. An easy way to get into debt quickly!
DC
Dylan C.
Dec 16, 2023
May or may not recommend
Reflex is the best! I have the best credit score I have had in years thanks to their services! I am confident when I go and make payments! The best part... is the ease it takes to use this system and this company! I love the customer service and the personalized experiences I receive! I highly recommend!
Yvette M.
Jun 2, 2022
May or may not recommend
What’s the minimum Total monthly income to get approved and the maximum too
WM
William M.
Jul 23, 2021
May or may not recommend
There are not a lot of benefits with this card. Also the interest is pretty high which wouldn't be a problem because I typically pay the full statement balance but they get you with an annual fee too!
LD
Layla D.
Apr 23, 2021
May or may not recommend
I could not continue using the card I got because it is quite difficult to maintain and no meaningful benefits. Their card services deserve improvement, for they are few steps behind other providers
EF
Eugene F.
Mar 15, 2021
May or may not recommend
You can get this card even without the best credit score, but there are a lot of fees and not many rewards to having this credit card
HW
Holly W.
Feb 26, 2021
May or may not recommend
I had no credit history due to being afraid of credit cards. This card helped me get started on the path to getting a better credit score. The customer service was friendly and answered my newbie questions about credit cards which helped me make the leap to getting my first credit card.
U
Anonymous
Oct 18, 2020
May or may not recommend
My account with Celtic bank was closed without notice or reason. For more 3 1/2 years, I maintained a perfect payment history, zero lates, less than 20% utilization and continual credit line increases. When I contacted customer service, there was no record of the account being closed. I still have use of the card but it reflects on my credit report a closed account.
AD
Ashely D.
Oct 11, 2020
May or may not recommend
I would recommend this credit card for those who having very low credit scores. While I qualified for an amount over $500, one thing that I did not like about the credit card is that when you activate it, they automatically take out the fee. In my opinion, that was a major turn off from the credit card. It would have been nice if they waited at least 1 billing ...Show More
EO
Esther O.
Oct 6, 2020
May or may not recommend
Amazing service, I got an initial credit and the limit rose after 6 months of usage, the credit ranged from about $400 to $750 and I was able to cover up and paid back, that was a financial clout I needed, I was able to expand my credit capacity and had enough time to make payments and guess what, I wasn't charged in an unauthorized way, I was relax when ...Show More
Shanese-annese S.
Jul 22, 2020
May or may not recommend
Just received an offer in the mail that I qualify for $750 credit where it would dbl after 6 months of on time payment. The APR is too high 25.90%....and they take out $75 right off the top for fees, leaving you with a start credit of $675. If you are lucky to get the $750 credit limit then you will have NO monthly maintenance fees. If you're not so ...Show More
Showing 11 of 11 reviews
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