According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Review: Reflex Mastercard® Credit Card. No fees will be charged if the card is cancelled. Am I charged maintenance fees in the first year? 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. Generally, a credit card takes 10 working days to be delivered to you. The Reflex Mastercard has a lot in common with its credit-building sibling, the Surge Mastercard. Get up to 1% cash back rewards on eligible purchases determined by Credit One and double cash back rewards at the NASCAR Shop. Getting approval for this card is a process that requires minimal predispositions and effort, and you’re very unlikely to get denied. Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by Finder.com LLC. You’ll pay an annual fee of $75 to $99 to use the card. I applied for the Reflex Card. Thanks for your comment and I hope you are doing well. Great to know you were approved! Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion. If your credit card has a PIN, you can get cash advances directly from an ATM. Keep reading to learn more about the details of … Reflex Mastercard® Credit Card Fair to Good Credit Recommended (580-740) ? 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 … No. Mention … The Reflex Mastercard is designed for people with a damaged or limited credit history (and a credit score of 580 or better). The Reflex Mastercard is available to individuals with a less than perfect credit rating who are looking to build up their credit history. With the Reflex Mastercard® Credit Card, your first reflex should be to avoid it. You’re charged a flat annual fee in the first month that covers your first year. 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. Yes you can make online purchases with the Reflex Mastercard. The Reflex Mastercard ® Credit Card is issued by Celtic Bank; Member FDIC under license from Mastercard ® International. A Reflex Mastercard ® with an initial credit limit that ranges from $300 to $750 gives you the financial clout you need. 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. What credit score is needed for a Reflex credit card? Reflex and Surge - Mastercard ® and the Mastercard acceptance mark are service marks used by Celtic Bank under license from Mastercard International. 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. † To receive your free credit score, you must sign up for electronic statements at www.reflexcardinfo.com. The Reflex Mastercard is a basic credit card whose focus is being a payment solution that also helps to build credit. At Finder, we value and respect our editorial independence. Thanks for getting in touch. The Reflex Mastercard® Credit Card is designed to help people with no credit history or a low credit score. Reflex could offer adjustable credit limits depending on your overall financial situation. This APR will vary with the market based on the Prime Rate. 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. You may also reach out to the bank if you have any clarifications. See if you prequalify with no impact to your credit. We may receive payment from our affiliates for featured placement of their products or services. No. I’ve been approved and wanted to know how long it would take to receive my card. How do I set up my card for cash advances? Thank you so much for having this available for people who are in my shoes!! An unsecured credit card for building credit with reporting to the three major credit bureaus. Reflex Mastercard® Credit Card All Credit Types Welcome to Apply Made for people with poor credit who want an unsecured credit card. We may also receive payment if you click on certain links posted on our site. For a safer, more effective path to building credit, compare secured credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on Debt.com, CreditCards.com and Lifehacker. It’s normal to have several prepaid Credit Card offers when scouring the market for a Credit Card with poor credit. Use your Reflex card at locations everywhere Mastercard is accepted. In some cases, you may be required to provide a security deposit to qualify for a credit card. 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. Cardbenefit.com does not include all advertisers or all available personal finance offers. If this is so, If you’re approved and you fully fund any security deposit (if applicable), your credit card within (3) business days. All credit types welcome to apply. 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. If you lack a decent credit score or any credit score at all, the Reflex Mastercard might be the ideal choice for you. New York, NY, 10016. The card is a full-service credit card that can be used anywhere that Mastercard is accepted and charges a high APR. Note that you can find similar credit-building cards with no annual fee at all. 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 ensure your security, new cards can only be activated over the phone. Apply with a fair credit score of 580 or higher. Celtic Bank’s Reflex Mastercard may be a viable option to help. Hope this was helpful. It can help you build credit, but watch out for high fees and interest. Input your current credit card balance and interest rate to calculate your potential savings. As it says on the terms and conditions of the card, upon approval, you will be granted a credit limit of $500. 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. It can help you build credit, but watch out for high fees and interest. 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 strive to ensure our content is clear and honest. Enter your Social Security number and financial information, then click. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. If you are unsure, you should get independent advice before you apply for any product or commit to any plan. The Reflex Mastercard ® Credit Card is issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC under license from Mastercard ® International. If you can afford … To get a cash advance from a Reflex MC, you can use an ATM to withdraw a cash advance from Reflex. An unsecured credit-building card with a $0 fee on cash advances for the first 12 months, then 5% or $5. 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). 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. Please review full terms and conditions prior to applying for any credit card. You are about to post a question on finder.com: Subscribe to the Finder newsletter for the latest money tips and tricks. 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. $75 intro annual fee for the first year ($45 thereafter). Hope this helps and feel free to reach out to us again for further assistance. Enter the confirmation code sent to your smartphone. Please tick the box if you wish to continue with newsletter subscription. 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. 1. A good credit score guarantees a sound credit card, which comes with a variety of benefits. I hope this helps. The Reflex Mastercard is a proper and purpose-made credit rebuilding credit card. 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. 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. But make sure to budget for setup, maintenance and annual fees. Then watch your credit score rise. You’ll find Reflex worth checking out because they work with people of all credit types. There may be a pin involved so it would be best to contact Reflex for further instructions. 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. I recommend getting a $300 secured Discover card and make timely payments for 6 months. Upon checking, you can use the Reflex Mastercard® at locations everywhere that Mastercard® is accepted. Continental Finance Company ("CFC") is one of America's leading marketers and servicers of credit cards for consumers with less-than-perfect credit. All this budgeting isn’t necessary with most other credit-building cards. Ive got a reflex card how do i get cash off it. I know this is for questions but wanted to say thank you for helping me rebuild my credit after a horrible divorce. 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. 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. It is an integral tool in any credit reparation strategy. The Reflex Mastercard® Credit Card features an astounding number of fees for a card designed to build credit: Annual fee. Complete other required information, then review and submit your application. The Reflex Mastercard® is an ideal starter card for people learning to use and build credit or repair their credit. This is higher than you’ll find with many other secured and unsecured cards for building credit, which average a variable APR of 20%. Thank you for getting in touch with Finder. 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. 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. This is a rare offer among similar cards. How do I check the status? The Reflex Mastercard is one of a few credit cards by Continental Finance that is issued by Celtic Bank. REFLEX gave me a credit line increases from $500 to $800 and I'm not even using the card. Fast and easy application process; results in seconds. The Reflex Mastercard® Credit Card is issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC under license from Mastercard® International. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Build or rebuild your credit with this Visa credit card. Thanks again!! Cards are issued by Celtic Bank and serviced by Continental Finance Company. An unsecured credit card for building credit with the option to see if you prequalify before applying. Can you make online purchases with this card. Thanks for getting in touch! 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%. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. 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. You may be asked to make a deposit for a secured card. With the Reflex Mastercard® credit card comment and i hope you are unsure you... Disclosure: CardRates.com is a credit card n't interpret the order, position or of! To good credit score and then enter the 16 digit credit card with a $ 0 fee cash... 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