Reflex® Platinum Mastercard®
Would you recommend Reflex® Platinum Mastercard® to your friends?
| Community Rating | Mostly not recommended |
| Purchase APR (Variable APR) | 24.99% - 29.99% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 300 - 640 |
| Annual Fee | $75 - $99 |
| Number of Reviews | 9 |
Reflex® Platinum Mastercard® Review
This is a credit card issued by Celtic Bank. 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 that ranges from 24.99% 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 have relatively good approval odds.
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.
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 that ranges from 24.99% up to 29.99%. It also has a variable cash advance APR that ranges from 24.99% up to 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:
| Fees | Amount |
|---|---|
| Annual Fee | Starting at $75 up to $99 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
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.
Contact
- Headquarters
-
268 South State Street, Suite 300
Salt Lake City, UT 84111 USA - (800) 509-6191
- Visit Site
- Email Support
Other Services by Celtic Bank
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $5 |
| Cash Advance Fee (%) | 5% |
| Foreign Currency Transaction Fee | 3% |
| Annual Fee | $75 - $99 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $40 |
| Additional Card Fee Amount | $30 |
| Late Fee Amount | Up to $40 |
Reflex® Platinum Mastercard® Community Reviews
Would you recommend Reflex® Platinum Mastercard® to your friends?
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