Reflex® Platinum Mastercard®
Reflex® Platinum Mastercard® Review
If you're a consumer with a low credit score set on having an unsecured credit card, it won't hurt to see if you can prequalify for an affordable offer with the Reflex® Platinum Mastercard®. But, be sure to read the fine print carefully.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Reflex® Platinum Mastercard®
Apply Now
on Continental Finance's secure site
Reflex® Platinum Mastercard®
SIGN-UP BONUS
N/A
REWARDS RATE
Non-rewards card
Easy Application
Fast and easy application process; results in seconds.
Build Credit
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.
Pre-Qualification
See if you’re Pre-Qualified with no impact to your credit score.
Annual Fee
$75 - $125
Card Brand
Mastercard®
Recommended Credit Score
Limited/Poor/FairHighlights
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000 (subject to available credit)
- 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
Additional Info
3% of each transaction in U.S. dollars
N/A
No
No
No
No
No
No
No
No
No
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Mar 25, 2024
For cardholders looking to build credit without plunking down a security deposit, the Reflex® Platinum Mastercard® is a reasonable — though pricey — option. The card, which touts an A+ rating from the Better Business Bureau, reports to all three major credit bureaus and offers a potential credit limit increase after six months of timely payments.
The Good
- The Reflex® Platinum Mastercard® is open to applicants with all types of credit and lets you prequalify in seconds with no impact to your credit score.There's no security deposit required for most applicants, and you'll start off with a decent credit limit. The card helps you build credit by reporting your timely payments to the three major credit bureaus and offering a chance to boost your credit line in as little as six months. It also gives you $0 liability for fraudulent charges and free access to your Vantage 3.0 score from Transunion.
The Not So Good
- Before you commit to the Reflex® Platinum Mastercard®, you should carefully scan the conditions of your offer. The card comes with a lot of fees, and you won't know what the fees will be until you prequalify. The card charges an annual fee between $75 - $125, as well as a maintenance fee up to $10 per month. In other words, you could wind up paying up to $219 per year in fees. You'll also pay a $30 fee to add an authorized user to the card. Furthermore, the card's APR — which ranges from 29.99% APR (Variable) — is extremely high, even for a card geared toward consumers with low credit scores. Also, look carefully at the fine print — the terms state that a security deposit may be required, so you could potentially qualify for an offer that requires a deposit in addition to all the fees.
The Bottom Line
If you're a consumer with a low credit score set on having an unsecured credit card, it won't hurt to see if you can prequalify for an affordable offer with the Reflex® Platinum Mastercard®. But, be sure to read the fine print carefully.
Editorial Note: This content is not provided by Continental Finance. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Continental Finance.
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