The listings featured on this site are from companies from which this site receives compensation. This may influence where, how and in what order such listings appear on this site
BestMoney logo

Reflex Mastercard Review

Reflex Mastercard®
Visit Site
Reflex Mastercard®
Reflex Mastercard®
Ryan Sze
Jan. 30, 2022
3 min read
Ryan Sze
Reflex Mastercard® Summary
The Reflex Mastercard is a credit card targeted towards borrowers with limited or less-than-perfect credit histories. Developed as a collaboration between subprime credit card marketing company Continental Finance and Salt Lake City-based Celtic Bank, the Reflex card offers cardholders complimentary monthly credit reports, automatic credit line increases, behind-the-scenes reporting to all 3 credit bureaus, and a $0 fraud liability guarantee.


  • Designed for consumers with less-than-perfect credit
  • Free credit report and automatic credit line increases
  • Comes with $0 fraud liability


  • $75-$99 annual fee, plus $10 monthly maintenance fees
  • Less well known than larger financial institutions
  • No rewards, perks, intro APR period, or welcome/signup bonus

Reflex Mastercard® at a glance

Editorial score


This category measures the overall quality of the product


This category measures the overall quality of the product


This category measures the overall quality of the product

Customer service

This category measures the overall quality of the product

Online experience

This category measures the overall quality of the product

Reflex Mastercard® Reflex Mastercard® Apply Now


The Reflex Mastercard is issued by Celtic Bank, a Utah-based consumer credit and SBA lender founded in 2001. The card is marketed and distributed by Continental Finance, a Delaware-based company that markets credit cards towards borrowers with less-than-perfect credit histories who want to rebuild their credit profiles.

Reflex Mastercard features a 4.9-star rating on Trustpilot from over 7,000 independent reviews. It offers cardholders access to credit-building features like automatic reporting to all 3 credit bureaus (so borrowers receive credit for on-time payments), free monthly credit score reports, automatic credit line increases after 6 months, and protection against fraud liability. 

Suitable for?

While the Reflex Mastercard may not be the best option for applicants whose credit histories make them eligible for traditional credit cards, the Reflex is worth considering for those with low credit scores and less-than-perfect credit profiles. 

The card comes with a variety of features that help cardholders get their credit back on track. For example, the Reflex Mastercard offers an initial credit limit of just $300 to $1,000, ensuring that cardholders can afford to make on-time payments that will help boost their credit profiles. 

The card also features automatic credit line increases after just 6 months, allowing customers with a demonstrated history of good payments to access higher credit limits, further improving their score. On top of that, the card reports payment histories to each of the 3 main credit bureaus, ensuring that on-time payments are counted in a cardholder’s favor. 

Additional credit and fraud monitoring tools via web and mobile app—like free monthly credit score reports and a $0 fraud liability guarantee—give clients front-row access to their credit profiles, further helping them improve their credit scores.

Interest Rates and Fees

The Reflex Mastercard’s features a 24.99%–29.99% variable APR, in addition to an annual fee of $75–$99 and $10 monthly maintenance fees that trigger after the account’s 1st anniversary. These monthly fees are charged on top of the annual fee, so annual and monthly fees in the second year combined can be as high as $219. The card also charges a variety of other fees, like a 3% foreign transaction fee, along with a $30 fee for each additional authorized user.

Reflex Mastercard® Credit Card
Regular Interest Rate24.99%–29.99% variable APR
Intro APR Period?No
Foreign Transaction Fees?3%
Annual Fee$75–$99
Other Fees?

$30 per authorized user

$0 monthly maintenance fee for 1st year, $10 per month thereafter

Rewards & Cashback

Like most cards designed for those with poor credit histories, Reflex Mastercard offers no rewards, points, or cashback. Nor does it come with perks like sign-up bonuses, travel credits, or low intro APR periods.

The Application Process

Interested applicants can apply for the Reflex Mastercard online. Prospective cardholders will need to give their name, address (including city, state, and zip code), email address, phone number, and social security number. 

Applicants will also need to supply information about their income, employment history, and banking history. Finally, customers will need to read and sign several disclosures. 

Application decisions are usually made instantly, though approvals may take up to 7-10 business days. 

Help & Support

Clients can contact customer service by phone. To report a lost or stolen card, dial (800) 556-5678. General inquiries can be routed to (866) 449-4514.

Phone call hours:

Monday to Friday: 7am–10pm Eastern

Saturday: 9am–4pm Eastern


Continental Finance’s website is secured using 128-bit encryption technology, ensuring that any sensitive information applicants provide through the site will be held in strict confidence. The Reflex Mastercard also features a $0 fraud liability guarantee, meaning that cardholders aren’t held responsible for unauthorized charges.


What fees are associated with the card?

The Reflex card charges a $75–$99 annual fee, a $10 monthly fee after the 1st year, a $30 fee per authorized user, and a 3% foreign transaction fee.

What credit score is needed to qualify for the card?

A 300–500+ score is usually required to qualify for the Reflex card.

Does the Reflex come with rewards or cashback?

No, it does not.


With higher fees, no rewards, and no sign-up bonus, the Reflex Mastercard may not be the 1st choice among most cardholders. However, it is a decent introductory card for borrowers with less-than-perfect credit histories, including comprehensive credit monitoring tools and automatic credit line increases.

Reflex Mastercard® Reflex Mastercard® Apply Now


This review was compiled with information from Trustpilot and Reflex Mastercard’s website.

Ryan Sze
Written by
Ryan Sze
Ryan is a freelance personal finance and investments writer, with more than 3 years of experience trading and writing informative financial content. A chemical engineer by degree, Ryan's interest in finance grew out of a love of data science and computational statistics. His byline can be found on well-known sites such as The Motley Fool, Investing In The Web, and
Top Credit Cards
Chase Sapphire Preferred
Chase Sapphire Preferred
Read Review|Visit Site
Read all reviews

Must Reads

How to Get Approved for a Credit Card
Mar. 04, 2024
The Ultimate Travel Credit Card Guide
Mar. 04, 2024
What is a Credit Builder Credit Card?
Mar. 04, 2024
Read all articles