Last Updated: 10/08/2025
SuperMoney User Recommendation Score -36
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Reflex® Platinum Mastercard® Review
Key Takeaways
- 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?
| 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.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% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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®?
What is the support contact email for Reflex Platinum Mastercard®?
What is the login page for Reflex Platinum Mastercard®?
How do people rate the customer service and user experience of Reflex Platinum Mastercard®?
Does Reflex® Platinum Mastercard® report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Celtic Bank perform a hard credit pull?
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.
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.
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