You’ll find Reflex worth checking out because they work with people of all credit types. 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. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. If you lack a decent credit score or any credit score at all, the Reflex Mastercard might be the ideal choice for you. While. Call from the phone number that you provided on your application to the toll-free activation number printed on the sticker affixed to your new card within 30 days after you receive your card in the mail. A high-limit no-annual-fee credit card that's ideal for rebuilding scores as low as 550. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. Thanks for getting in touch. Enjoy manageable monthly payments with monthly reporting to all three major credit bureaus. The Reflex Mastercard is designed for people with a damaged or limited credit history (and a credit score of 580 or better). It is an integral tool in any credit reparation strategy. We may also receive compensation if you click on certain links posted on our site. Fast and easy application process; results in seconds. CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. † To receive your free credit score, you must sign up for electronic statements at www.reflexcardinfo.com. I hope this helps. Am I charged maintenance fees in the first year? If you do not activate your credit card in that timeframe your credit card will automatically be closed and you will be unable to use your new credit card for purchases or other transactions. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Enter the confirmation code sent to your smartphone. Citi® Double Cash Card - 18 month BT offer, Blue Cash Preferred® Card from American Express, American Airlines AAdvantage MileUp℠ Card, Marriott Bonvoy Business™ American Express® Card, U.S. Bank Altitude Go Visa Signature Card, Blue Cash Everyday® Card from American Express, 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. I agree to the Privacy and Cookies Policy, finder.com Terms of Use and to receive emails from Finder. You have 30 days to activate your credit card. Yes, but eligibility comes with responsible spending and on-time payment and is at the discretion of Continental Finance. They may also increase your interest rate if your credit history shows that you regularly exceed your credit limit, and your credit score may be negatively affected. One of my favorite things to do is to review these cards, in the hopes that somebody will read the review before thinking about applying and end up with a vast array of much better options. Celtic Bank’s Reflex Mastercard may be a viable option to help. Build or rebuild your credit with this Visa credit card. I know this is for questions but wanted to say thank you for helping me rebuild my credit after a horrible divorce. Reflex Mastercard® has higher than average purchase APRs. Great to know you were approved! Made for people with poor credit who want an unsecured credit card. The monthly/annual fee will be billed to the credit card or other billing source provided by you when you purchased credit monitoring, on the first day of your purchase and each successive membership term. Please note though, that in some cases additional information is needed as part of the application process, so it could take up to 30 days before they can give you a decision. Cards are issued by Celtic Bank and serviced by Continental Finance Company. No. Thanks again!! Reflex Mastercard ® Card Data last ... we make no representation or warranty about the terms and conditions of each credit card reviewed herein, and you should rely solely on the terms and conditions of each credit card stated on the secure credit card terms page provided by the issuer. Will this card allow me to go over my available credit limit. We keep our reviews completely factual so you can use them to make better decisions. I went from 545 to 711 in 14 months. It’s a great card that has given me the opportunity to now rebuild my credit. As a friendly reminder, you may want to review the application of fees and terms and conditions in doing a cash advance. This is an interesting card because it can be both an unsecured credit card and a secured one as well depending on whether they approve you for … finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. The Reflex Card is an expensive starter credit card for people with limited or no credit history, as well as those with bad credit looking to start over. The card is a full-service credit card that can be used anywhere that Mastercard is accepted and charges a high APR. The Reflex Mastercard® Credit Card used to offer a secured version, but that option was recently removed. An unsecured card for applicants with no credit history or a poor credit score. The Reflex Mastercard® Credit Card is designed to help people with no credit history or a low credit score. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on Debt.com, CreditCards.com and Lifehacker. 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. See if you prequalify with no impact to your credit. To get a cash advance from a Reflex MC, you can use an ATM to withdraw a cash advance from Reflex. Note that you can find similar credit-building cards with no annual fee at all. 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 … We may also receive payment if you click on certain links posted on our site. You’ll pay an annual fee of $75 to $99 to use the card. Reflex Mastercard ® 2020 Review ... After you click on an offer you will be directed to the credit card issuer's web site where you can review the terms and conditions for your offer. The Reflex Mastercard is one of a few credit cards by Continental Finance that is issued by Celtic Bank. Featured Credit Cards for Bad Credit, Pre-Qualification, First Progress Platinum Select MasterCard® Secured Credit Card, Applied Bank® Unsecured Classic Visa® Card, Merrick Bank Secured Visa® from Merrick Bank, Indigo® Mastercard® for Less than Perfect Credit, Indigo® Mastercard® with Fast Pre-qualification, Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay, Credit One Bank® Unsecured Visa® for Rebuilding Credit, Credit One Bank® Unsecured Visa® with Cash Back Rewards, First Progress Platinum Prestige MasterCard® Secured Credit Card, The First Progress Platinum Elite MasterCard® Secured Credit Card, Milestone® Mastercard® - Unsecured For Less Than Perfect Credit, Milestone® Mastercard® - Less Than Perfect Credit Considered, Self - Credit Builder Account + Secured Visa® Credit Card. As a friendly reminder, check the eligibility requirements of the card before proceeding with your application. With the Reflex Mastercard® Credit Card, your first reflex should be to avoid it. This is a rare offer among similar cards. Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion. It can help you build credit, but watch out for high fees and interest. 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. 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. New York, NY, 10016. Hope this was helpful. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s). As it says on the terms and conditions of the card, upon approval, you will be granted a credit limit of $500. You may be asked to make a deposit for a secured card. Upon checking, you can use the Reflex Mastercard® at locations everywhere that Mastercard® is accepted. For a safer, more effective path to building credit, compare secured credit cards. Reflex Mastercard® Credit Card. No. Consider applying for this card if you really want it, but you can find a better credit-building card elsewhere. Ive got a reflex card how do i get cash off it. $75 intro annual fee for the first year ($45 thereafter). 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. Although spending within your credit limit is encouraged since Reflex will be able to increase your credit limit (typically after 12 months) if they see you responsible in your spending. We strive to ensure our content is clear and honest. The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit. At Finder, we value and respect our editorial independence. According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Founded in 2005, CFC prides itself on its corporate responsibility to customers in terms of providing three cornerstone characteristics: a strong customer support program, fair treatment, and responsible lending. Additionally, your credit card may be charged a non-refundable $1 fee. Finder is committed to editorial independence. Can you make online purchases with this card. Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. Cardbenefit.com does not include all advertisers or all available personal finance offers. 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. While not a guarantee of approval, being prequalified will give you some peace of mind about your odds of approval. No fees will be charged if the card is cancelled. The Reflex Mastercard is a basic credit card whose focus is being a payment solution that also helps to build credit. Nonetheless, all credit card offers are displayed without guarantee. This APR will vary with the market based on the Prime Rate. In some cases, you may be required to provide a security deposit to qualify for a credit card. You may also reach out to the bank if you have any clarifications. The Reflex Mastercard is available to individuals with a less than perfect credit rating who are looking to build up their credit history. 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. If you are unsure, you should get independent advice before you apply for any product or commit to any plan. To ensure your security, new cards can only be activated over the phone. We may receive payment from our affiliates for featured placement of their products or services. There may be a pin involved so it would be best to contact Reflex for further instructions. Thanks for getting in touch! How do I check the status? Reflex could offer adjustable credit limits depending on your overall financial situation. The Reflex Mastercard is a proper and purpose-made credit rebuilding credit card. You can apply online for approval in minutes. Continental Finance Company ("CFC") is one of America's leading marketers and servicers of credit cards for consumers with less-than-perfect credit. A Reflex Mastercard ® with an initial credit limit that ranges from $300 to $750 gives you the financial clout you need. 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. The Reflex Mastercard ® Credit Card is issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC under license from Mastercard ® International. A good credit score guarantees a sound credit card, which comes with a variety of benefits. You may have experienced a difficult financial time and need a card that can help rebuild or establish your credit, with responsible card use. Reflex and Surge - Mastercard ® and the Mastercard acceptance mark are service marks used by Celtic Bank under license from Mastercard International. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. Some of these benefits are insurance options, mortgage options, more significant spending limits, and lower fees. 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). I recommend getting a $300 secured Discover card and make timely payments for 6 months. It’s normal to have several prepaid Credit Card offers when scouring the market for a Credit Card with poor credit. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. 1. Enter your Social Security number and financial information, then click. The card is designed for those looking to build or rebuild their credit regardless of creditworthiness, and so approval rates are high. The Reflex Mastercard ® Credit Card is issued by Celtic Bank; Member FDIC under license from Mastercard ® International. Ultimately, it would be best to contact Reflex directly to know the status of your card delivery. Yes you can make online purchases with the Reflex Mastercard. Keep reading to learn more about the details of … The Reflex Mastercard is a credit card purposefully designed for people with either no credit history or a poor score. This is higher than you’ll find with many other secured and unsecured cards for building credit, which average a variable APR of 20%. Get up to 1% cash back rewards on eligible purchases determined by Credit One and double cash back rewards at the NASCAR Shop. But make sure to budget for setup, maintenance and annual fees. 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%. An unsecured credit-building card with a $0 fee on cash advances for the first 12 months, then 5% or $5. Getting approval for this card is a process that requires minimal predispositions and effort, and you’re very unlikely to get denied. Reflex Mastercard®. I applied for the Reflex Card. I hope this helps. Apply with a fair credit score of 580 or higher. Reflex Mastercard® Credit Card Fair to Good Credit Recommended (580-740) ? All the benefits of Mastercard Gold for those with less than perfect credit. ? Thankfully, you can check if you prequalify for the Reflex Mastercard before you apply. 32 East 31st Street, 4th Floor, Ultimately, the high fees and the high APR make the Reflex Mastercard® Credit Card a poor choice for building credit. Monthly maintenance fee. Steven Dashiell is a credit cards writer at Finder. The Reflex MasterCard falls in this category, and it would be wise to look at some tips on getting a Credit Card with poor credit. finder.com is a financial comparison and information service, not a bank or product provider, We cannot provide you with personal advice or recommendations, Petal® 1 "No Annual Fee" Visa® Credit Card, Credit One Bank® Platinum Visa® for Rebuilding Credit, Indigo® Platinum Mastercard® Credit Card, Credit One Bank® Unsecured Visa® with Cash Back Rewards, Official NASCAR® Credit Card from Credit One Bank®, Applied Bank® Unsecured Classic Visa® Card, $5 or 5% of the cash advance amount, whichever is greater. Use your Reflex card at locations everywhere Mastercard is accepted. See if you're Pre-Qualified with no impact to your credit score. If your credit card has a PIN, you can get cash advances directly from an ATM. An unsecured credit card for building credit with reporting to the three major credit bureaus. Optional, only if you want us to follow up with you. © 2020 CardBenefit, Inc. All Rights Reserved. All credit types welcome to apply. Hit on the register my card tab and then enter the 16 digit credit card account number. Applicants do need to provide information on income and residence stability prior to approval. Input your current credit card balance and interest rate to calculate your potential savings. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. Be careful of prepaid cards. Thank you for getting in touch with Finder. Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by Finder.com LLC. If you can afford … Shopping, dining, even travel are all in your future with your new Reflex credit card. Also, read about its features and benefits and see how it fits your financial needs. I stopped using the REFLEX Card 3 months after I got it. Advertiser Disclosure: CardRates.com is a free online resource that offers valuable content and comparison services to users. I’ve been approved and wanted to know how long it would take to receive my card. All you need to apply for an Reflex Mastercard® credit card is the info below: To be eligible for the Reflex Mastercard® card, you must be at least 19 years old and have a social security number. It belongs to the Mastercard credit card network but is issued by Celtic Bank … Financial health is essential, and you should do everything in your power to maintain it. What credit score is needed for a Reflex credit card? Thank you so much for having this available for people who are in my shoes!! Finder.com is an independent comparison platform and information service that aims to provide you with information to help you make better decisions. Thanks for your comment and I hope you are doing well. Generally, a credit card takes 10 working days to be delivered to you. You’re charged a flat annual fee in the first month that covers your first year. There are multiple benefits to this card, like a credit protection program and a maintenance fee waiver for the first 12 months. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Please review full terms and conditions prior to applying for any credit card. The Reflex Mastercard® Credit Card comes with a host of fees, including a $75 to $99 annual fee, a monthly fee of $0 to $10 starting from the second year, and you’ll get a high APR between 25.9% to 29.99% variable with no grace period. for your Credit Report. Reflex Mastercard® has a variable purchase APR that ranges from 25.9% up to 29.99%. Plus, they can pre-qualify you without the inquiry showing up on your credit report. The Reflex Mastercard® is an ideal starter card for people learning to use and build credit or repair their credit. It can help you build credit, but watch out for high fees and interest. If this is so, If you’re approved and you fully fund any security deposit (if applicable), your credit card within (3) business days. Review: Reflex Mastercard® Credit Card. Go to the official website of the Reflex Card. We need your consent to our privacy policy. You may be asked to make a deposit for a secured card 25.9% to 29.99% variable $75 to $99 580 Made for people with poor credit who want an unsecured credit card. All this budgeting isn’t necessary with most other credit-building cards. Complete other required information, then review and submit your application. Subscribe to our latest articles, news, and promotions! The Reflex Mastercard® Credit Card features an astounding number of fees for a card designed to build credit: Annual fee. We may receive compensation from our partners for placement of their products or services. Mention … If you are referring to cash advances – it says on one of the comments on the page – If your credit card has a PIN, you can get cash advances directly from an ATM. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Thanks for getting in touch! Then watch your credit score rise. REFLEX gave me a credit line increases from $500 to $800 and I'm not even using the card. If you want to make a follow-up on the status of your Reflex Mastercard application, you need to contact the provider and inquire with them directly. Don’t hesitate to message us back if you have more questions. Advertiser Disclosure: The personal finance offers that appear on this site are from advertisers from which cardbenefit.com receives compensation. How do I set up my card for cash advances? It’s a fee-heavy card with high interest rates and low credit limits. $75 intro annual fee for the first year ($48 thereafter). Note that the card’s purchase APR is 29.99% variable. Reflex Mastercard® Credit Card All Credit Types Welcome to Apply An unsecured credit card for building credit with the option to see if you prequalify before applying. You are about to post a question on finder.com: Subscribe to the Finder newsletter for the latest money tips and tricks. After your first year, you’ll pay the annual fee plus a monthly maintenance fee — which means you pay more overall in your second year. The Reflex Mastercard® Credit Card is issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC under license from Mastercard® International. Both cards, for example, come with reasonable credit limits and no required security deposit. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. A new page will appear asking you to enter your personal details including name, mobile number, address, and others. The Reflex Mastercard has a lot in common with its credit-building sibling, the Surge Mastercard. Please tick the box if you wish to continue with newsletter subscription. Hope this helps and feel free to reach out to us again for further assistance. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. We may rely on information that is provided to us. Make the Reflex Mastercard® credit card a proper and purpose-made credit rebuilding credit card that can be seen Debt.com. Locations everywhere that Mastercard® is accepted advance from a Reflex card valuable content and comparison to. Take to receive your free credit score lower fees seen on Debt.com, CreditCards.com reflex card mastercard., the high APR make the Reflex Mastercard ® International new cards can only be activated the... Mastercard Gold for those looking to build credit, but watch out for high fees and the Mastercard mark. 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