An unsecured credit-building card with a $0 fee on cash advances for the first 12 months, then 5% or $5. $75 intro annual fee for the first year ($48 thereafter). The Reflex Mastercard is available to individuals with a less than perfect credit rating who are looking to build up their credit history. Can you make online purchases with this card. We may also receive compensation if you click on certain links posted on our site. Reflex and Surge - Mastercard ® and the Mastercard acceptance mark are service marks used by Celtic Bank under license from Mastercard International. A Reflex Mastercard ® with an initial credit limit that ranges from $300 to $750 gives you the financial clout you need. Also, read about its features and benefits and see how it fits your financial needs. Complete other required information, then review and submit your application. Cards are issued by Celtic Bank and serviced by Continental Finance Company. How do I set up my card for cash advances? You may be asked to make a deposit for a secured card. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. The Reflex Mastercard® Credit Card used to offer a secured version, but that option was recently removed. Thanks again!! Am I charged maintenance fees in the first year? Review: Reflex Mastercard® Credit Card. The Reflex Mastercard is a credit card purposefully designed for people with either no credit history or a poor score. We may rely on information that is provided to us. Some of these benefits are insurance options, mortgage options, more significant spending limits, and lower fees. 32 East 31st Street, 4th Floor, The Reflex Mastercard is one of a few credit cards by Continental Finance that is issued by Celtic Bank. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. Thanks for getting in touch. There may be a pin involved so it would be best to contact Reflex for further instructions. Reflex Mastercard® has higher than average purchase APRs. As a friendly reminder, you may want to review the application of fees and terms and conditions in doing a cash advance. For a safer, more effective path to building credit, compare secured credit cards. Great to know you were approved! Nonetheless, all credit card offers are displayed without guarantee. $75 intro annual fee for the first year ($45 thereafter). The Reflex Mastercard® Credit Card features an astounding number of fees for a card designed to build credit: Annual fee. Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens a Card Account. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Ultimately, the high fees and the high APR make the Reflex Mastercard® Credit Card a poor choice for building credit. At Finder, we value and respect our editorial independence. The latest batch seem to be for the Reflex Credit Card (I haven’t linked to it, because I don’t want it to rank in the search engines). We strive to ensure our content is clear and honest. To ensure your security, new cards can only be activated over the phone. Cardbenefit.com does not include all advertisers or all available personal finance offers. Hope this was helpful. It belongs to the Mastercard credit card network but is issued by Celtic Bank … Reflex could offer adjustable credit limits depending on your overall financial situation. Reflex Mastercard® has a variable purchase APR that ranges from 25.9% up to 29.99%. With the Reflex Mastercard® Credit Card, your first reflex should be to avoid it. It is an integral tool in any credit reparation strategy. Applicants do need to provide information on income and residence stability prior to approval. There are multiple benefits to this card, like a credit protection program and a maintenance fee waiver for the first 12 months. A good credit score guarantees a sound credit card, which comes with a variety of benefits. 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®. Thank you so much for having this available for people who are in my shoes!! Otherwise, you can take your card to a bank that offers advances through your card’s payment network, such as Mastercard or Visa and you’ll have to show ID. Use your Reflex card at locations everywhere Mastercard is accepted. Yes, but eligibility comes with responsible spending and on-time payment and is at the discretion of Continental Finance. I hope this helps. Plus, they can pre-qualify you without the inquiry showing up on your credit report. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. The Reflex Mastercard is designed for people with a damaged or limited credit history (and a credit score of 580 or better). REFLEX gave me a credit line increases from $500 to $800 and I'm not even using the card. An unsecured credit card for building credit with reporting to the three major credit bureaus. To ensure you have the most up to date information, you should verify relevant information with the product or service provider and understand the information they provide. Note that the card’s purchase APR is 29.99% variable. I’ve been approved and wanted to know how long it would take to receive my card. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. We may receive payment from our affiliates for featured placement of their products or services. Monthly maintenance fee. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. In some cases, you may be required to provide a security deposit to qualify for a credit card. I agree to the Privacy and Cookies Policy, finder.com Terms of Use and to receive emails from Finder. Finder is committed to editorial independence. Be careful of prepaid cards. And if you think to yourself “that sounds like a lot of fees for a card that helps you build credit,” you’d be right. Consider applying for this card if you really want it, but you can find a better credit-building card elsewhere. Given expensive fees, a high APR and a general lack of features, the Reflex Mastercard® Credit Card isn’t a helpful choice for building credit. Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion. Thanks for getting in touch! Generally, spending beyond your limit is discouraged on credit cards as the issuer may charge overcharge fees, decrease your limit or even close your account if you go over your limit habitually. We may also receive payment if you click on certain links posted on our site. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Both cards, for example, come with reasonable credit limits and no required security deposit. You’re charged a flat annual fee in the first month that covers your first year. Upon checking, you can use the Reflex Mastercard® at locations everywhere that Mastercard® is accepted. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Ultimately, it would be best to contact Reflex directly to know the status of your card delivery. Go to the official website of the Reflex Card. As per our page, it shows a CA fee of $5 or 5% of the cash advance amount, whichever is greater and a CA rate of 29.99%.

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