The Reflex Mastercard is designed for people with less than perfect credit or are looking for a chance to start building their credit. The Reflex Mastercard is one of few credit cards that offer both secured and unsecured lines of credit.
While it may help you build credit, its many fees might make it an expensive option for some, you can check out the table below for the list of fees and see whether or not this is worth for you.
If you’re wondering whether Reflex Mastercard is the right card for you, continue reading below to learn about its fees and features.
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Table of Contents
Reflex Mastercard Summary
(Apply for this card at ReflexCardNow.com)
| Bonus Available | No sign-up bonus available for this card |
| Balance Transfers APR: Intro | N/A |
| Purchases: Intro APR | N/A |
| Monthly Servicing Fee | See Terms* |
| Cash Advance APR | See Terms* |
| Regular APR | See Terms* |
| Processing Fee | See Terms* |
| Credit Needed | Bad/Fair |
| Annual Fee | See Terms* |
Recommended Free Credit Score (Get Free Score)
PROS
- Reports to all three credit bureaus
- Does not require a security deposit
CONS
- High annual fee
- Monthly fee after the first year
- High interest rates
- Few cardholder benefits
Card Highlights
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
- $0 fraud liability for unauthorized charges
Reflex Mastercard Features
- Monthly reporting to the three major credit bureaus.
- Credit Limit Increase: Free automatic account reviews for credit limit increases.
- Free Credit Score: Access to your monthly Vantage 3.0 credit score.
- Account Notifications: Customize your notifications to better manage your spending and payments.
- $0 Fraud Liability: You won’t be held responsible for unauthorized charges.
Who should apply for this card?
The Reflex Mastercard is good for those who are wanting to rebuild their credit, but don’t have the money for a deposit on a secured credit card. This card regularly reports to all three credit bureaus and with responsible credit usage and on-time payments, you could help your credit score the number you want.
Bottom Line
The high fees and the high APR might make the Reflex Mastercard a poor choice for some people who are wanting to build credit, so apply for this card when you really want it. You might find a better credit-building card elsewhere. For more credit cards options, see our latest list of other best credit card bonuses!
(Apply for this card at ReflexCardNow.com)
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| HSBC Premier Checking Member FDIC | $450 Cash | Review |
| HSBC Premier Checking Member FDIC | Up To $600 | Review |
| Huntington 25 Checking | $300 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| Axos Bank Basic Business Checking | $100 Cash | Review |
| Aspiration Spend & Save Account | $100 Cash | Review |
| Ally Invest | Up to $3,000 Cash | Review |
| BlockFi | Up To $250 BTC | Review |
| American Express High Yield Savings | 0.40% APY | Review |
| Discover Cashback Debit Account | $360 Cash | Review |
The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
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