Advertiser & Editorial Disclosure

Reflex® Platinum Mastercard®

Reflex® Platinum Mastercard®
Terms, Rates & Fees
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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

Cost
70% Complete
HighLow
Effort to Apply
20% Complete
DifficultEasy
Card Perks
30% Complete
PoorGood
Features
20% Complete
PoorGood

5/10

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.

Pros

Reports to the three major credit bureaus.

Cons

High APR and annual fee.

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

Reviews

Reviews Disclosure: The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.