Reflex Mastercard®

Celtic Bank is an Experian Partner

Reflex Mastercard® Apply Now

Recommended FICO® ScoreΘ Rating

Poor - Good, Rebuilding

Get your FICO Score for free
  • Rewards

    N/A*

  • Annual fee

    $75 - $99

  • Intro APR

    N/A*

  • Ongoing APR

    24.99% - 29.99% Variable

  • Balance transfer

    N/A*

Card details:
  • See if you Pre-Qualify with no impact to your credit score
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Free access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • All credit types welcome to apply
  • Card offers are for an authentic Mastercard with a Credit Limit between $300 - $1,000 (subject to available credit)
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)
  • Use your card at locations everywhere Mastercard is accepted
  • Monthly reporting to the three major credit bureaus
  • 24.99% - 29.99% APR (variable)
  • $75 - $99 annual fee
Rates and fees
Pros:
  • Potential for credit limit increase after six months
  • Applicants can be approved even with a poor or fair credit score
  • Reports payment history to all three credit bureaus
  • $0 fraud liability
Cons:
  • High annual fee
  • After the first year, the card issuer may charge an additional monthly fee
  • High APR

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

ΘCredit score is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn more.

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Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.

*For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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