Credit Cards » Credit Card Reviews » Reflex Mastercard Review 2021: Solid Way To Build Credit
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Reflex Mastercard Review 2021: Solid Way To Build Credit

The Reflex Mastercard is an ideal choice for those who are looking to build up a good credit history and don’t want to pay an initial deposit for a secured card.

We may receive compensation from companies that appear on this page. This may impact how and where products appear on a page (including, for example, the order in which they appear). It doesn’t affect our unbiased editors’ opinions. our opinions are our own.

In this Review

The Reflex Mastercard is a credit card designed for those with bad credit or no credit history at all. The card offers a low line of credit with a variable interest rate. However, it is possible to increase your credit limit when you demonstrate responsible use.

This makes it an ideal choice for those who are looking to build up a good credit history and don’t want to pay an initial deposit for a secured card.

This is a basic credit card that has a focus on offering a payment solution that also helps build credit. The card has a number of benefits including a credit protection program and waiving of the maintenance fees for the first 12 months.

Consumers with all types of credit are invited to apply for this card, but it is best suited to those with imperfect credit or no credit history. However, since good credit is not necessary for the card, it does attract a higher interest rate.

The card can help you to improve your credit as Reflex regularly reports your card activity to the major credit bureaus. This highlights the importance of making payments on time each month and developing responsible financial habits.

In addition to a possible credit limit increase after six months, there is the potential to qualify for a card with more attractive features once you improve your credit.

Although there is no deposit required, you do need to be prepared to pay some regular fees. There is an annual fee and a maintenance fee that is waived for the first year. After the first year, there is a fee of up to $120 per year, which is billed on a monthly basis.

Reflex Mastercard

On Reflex Secure Website

Rewards Plan


Sign up Bonus


0% Intro





24.99% - 29.99%

Annual Fee

$75 - $99

Balance Transfer Fee


Credit Requirements

NoCredit / Bad Credit

Card & Issuer Reputation

  • 3.7/5  on WalletHub customer reviews (+300 reviews): WalletHub customer reviews allow customers to post positive, negative, or neutral reviews about marketplace experiences.
  • 4.9/5 on TrustPilot  ( +4,800 reviews): Customers can express their opinion on Trustpilot website. It reflects the overall measurement of reviewer satisfaction, represented numerically from 1 to 5.
  • J.D Power offers the most comprehensive and independent study of customer satisfaction of card issuers . The study aims to help consumers and issuers to understand user opinions and ratings of the largest bands. It covers terms, benefits, services, communication, rewards and more. Reflex wasn't participated in the 2020 study.

J.D. Power U.S. Credit Card Satisfaction Study 2020


Let’s take a look at the benefits of the Reflex Mastercard and see if it’s the right one for your wallet or not.

Reflex reports your card activity to all three of the major credit bureaus. This is crucial to build your credit. Each month when you make your payment on time, it will be noted on your credit files. This will show potential lenders that you are financially responsible and can make good decisions about your finances.

The 0% Intro APR for 14 months on purchases and balance transfers. 0% purchase APR is longer than most credit cards which works well if you plan to spend right away with it and pay it off slowly. 

You can access your Reflex Mastercard account using the dedicated mobile app. This allows you to check your balance, track your FICO score and make payments. The app is user friendly, but it is encrypted with security layers so your information is protected.

The initial credit limit for the Reflex Mastercard is typically $300 to $1,000. However, after 6 to 12 months, there is the possibility of getting a credit limit increase to as much as $2,000. This is unusual for credit building cards, where you will usually need to swap to another card with better terms.

Unlike many cards, the application process for the Reflex Mastercard is quite simple. You can receive an answer to your application within seconds. In the event that you don’t qualify for the card, you’ll be offered a secured card and provide a detailed explanation of why your application was denied.

Since the Reflex card is a Mastercard, it is widely accepted around the world. You can use your Reflex card overseas and if you qualify for a $300 credit limit, the foreign transaction fees are waived for the first year.


The Reflex Mastercard does have a high annual fee of between $75 and $99. This is quite steep, considering the card offers no rewards. Additionally, the fee is charged to your account and will reduce your available credit limit.

Regardless of your initial credit limit, the maximum limit for this card is capped at $2,000. This means that if you’re aiming to keep your credit utilization rate at below 33%, there is only the potential to use $660.

The Reflex Mastercard is a basic card and offers no rewards. Apart from building your credit, there are no other perks associated with this card. This can make it hard to justify the annual fees.

In addition to your annual fee, you will need to pay monthly maintenance fees. The maintenance fees are $0 to $120 per year, which are billed monthly. However, the monthly maintenance fees are waived for the first year.

Since the Reflex Mastercard is available to those with poor credit, the interest rate does reflect this higher risk. If you’re carrying a balance, you can expect to pay 25.9% to 29.9% APR.

Application Process

You can apply for your Reflex credit card by mail, phone or online. You can pre qualify for the card, which involves a soft credit search that won’t impact your credit score.

You will need to provide your name and address, email address, and social security number.

Reflex Masterard application process - 1

Reflex also requires you to provide your monthly income. The website provides a calculator tool to calculate your monthly income.

Reflex Masterard application process -2

Finally, you need to provide your date of birth and phone number. You will also need to confirm if you have an active checking account, if you need an additional card, and authorize pre qualification.

Reflex Masterard application process - 3

Once you click see my card offers, you will see whether you qualify for this card or if you’ll be offered a secured card.

Bottom Line

e Reflex Mastercard is a great financial product for those who have poor credit or no credit history and are struggling to get approval for other credit cards.

The card is designed to help you to build your credit. Credit activity is reported to all three of the major credit bureaus and you can qualify for a credit limit increase if you make your payments on time during the first six to 12 months after account opening.

This makes it more attractive than many other credit building cards that have a set credit limit and require moving over to another card once you rebuild your credit score.

Additionally, the card has a dedicated app where you can manage your account including making payments, checking your balance and even monitoring your credit score.

You will need to be prepared for a hefty annual fee and monthly maintenance fees. These can add up to over $200 per year, which will take a chunk out of your card spending potential.

So, if you’re looking to repair your credit, and prefer the thought of paying fees rather than putting a security deposit in place, the Reflex Mastercard could be worth consideration.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.