Home
Credit Cards
Reflex Platinum Mastercard Credit Card

Reflex® Platinum Mastercard®

- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

4.0 / 5.0 (11 votes)

Leave your vote!

Information - Rates - Fees

Intro APR:

N/A*

Intro Period:

N/A*

APR:

35.90%*

APR Type:

fixed

Annual Fee:

See Terms*

Issuer:

Celtic Bank

Card Network:

Mastercard®

Card Category:

Consumer (Regular)

Card Type:

Building Credit
Card for Bad Credit
Instant Decision
Pre-Qualification
Starter

Credit Needed:

Fair*

Grace Period:

25 days*

Max Credit Line:

$1,000

Late Payment Fee:

See Terms*

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):

35.90%

Cash Advance Fee (%):

3.00%

Minimum Fee:

$10.00

Other Fees

Application Fee:

See Terms

Additional Fees

Annual Fee: $75 - $125
Late Payment Fee: Up to $41.00
Return Payment Fee: Up to $41.00
Monthly Maintenance Fee: Credit Limit of $300 or $500: $0 introductory fee for the first year, then $150 thereafter (billed $12.50 per month)
Additional Card Fee: $30 (one time, if applicable)
Foreign Trans Fee: 3% of each transaction in U.S. dollars

Comments

You need to be 18 years or older and have a checking account to apply for this card

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Features

Most attractive:

- Credit Reporting
- Easy approval
- Low requirements

Least attractive:

- No bonus rewards
- Annual and monthly fees
- High APR

Rewards & Benefits

Other Benefits:

See website for other benefits

Online Access:

Yes!

Credit Reporting:

Yes

*The information provided for Reflex® Platinum Mastercard® is believed to be accurate at the time of evaluation (Jul 6, 2025). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.