Advertiser & Editorial Disclosure

Reflex® Platinum Mastercard® (Consumer Credit Card)

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. Free 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.

Nav's Verdict

70% Complete
Effort to Apply
20% Complete
Card Perks
30% Complete
20% Complete


Bottom Line

A starter card for those with limited or less than perfect credit history. Initial credit line of up to $1,000, that doubles up to $2,000, after 6-mos of on-time minimum payments. See if you pre-qualify for an offer without impacting your credit score. This card requires a checking account and has a monthly maintenance fee in year 2 if you qualify for the $300 or $500 credit line (none if you qualify for a $750 or $1,000 credit line). This card features monthly reporting to the 3 major credit bureaus, free access to your Vantage credit score from Experian, and can be used anywhere Mastercard is accepted.


Reports to the three major credit bureaus.


High APR and annual fee.

Rates and Fees
Intro APR
Purchase APR
29.99% APR (Variable)
Annual Fee
See Terms
Welcome Offer
Rewards Rate
Foreign Transaction Fee
3% of each transaction in U.S. dollars.


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