menu-nav menu-nav

Reflex MasterCard Credit Card
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of Reflex MasterCard®
58 Reviews
Consumer Rating:
star ratingstar ratingno star ratingno star ratingno star rating

Apply Here apply here 2.4
Lowest:
0
Average Score:
409
Highest:
711
Key Highlights
Key Highlights

  • 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
All
5 Star
10%
4 Star
12%
3 Star
18%
2 Star
10%
1 Star
41%
1 Star 2 Star 3 Star 4 Star 5 Star
Sort By


star rating
Best Review
OVERALL RATING
star ratingstar ratingstar ratingstar ratingstar rating
Got this card right after my bankruptcy was finalized and it has served its purpose for helping me rebuild. I only use it once a month and pay the balance without any issues. The one issue I don't like, is that it takes 5-7 business days for them to credit the payments you make on the account. It is a very antiquated process, but probably saves them money in some way. I will keep this for emergency purchases only, but will keep it at a zero balance.
By Russ in San Diego : 09/20/2019
img
Most Helpful 4-5 Star Review
OVERALL RATING
star ratingstar ratingstar ratingstar ratingno star rating
I got a statement today for my annual fee and no card yet so let’s see if it comes tommorrow. That is what kept it from getting 5 stars. But the customer service was nice and easy to get a hold of. If u want to avoid fees, pay the balance off each month and u won’t see a dime of interest. And avoid cash advances. If I’m
Not mistaken you can you *speedpay with your debit card and that will free up your account and funds faster. That’s what I was told. And yes there are phone numbers and live agents.
By Jgray766 : 10/02/2019
img
Most Helpful 2-3 Star Review
OVERALL RATING
star ratingstar ratingstar ratingno star ratingno star rating
Accepted this card to bump up my total available credit. Original interest rate has dropped and I keep the balance at $0 (remember you don't need to carry a balance to build credit). Pay on time every time and score jumps. It won't happen overnight. Be patient and credit will improve. Cheers!
By Violet : 05/02/2020
 
Credit Score: 0 Credit Limit: 500 Age: 18-24
Posted 11/05 2019
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
I was told that after five on time payments my credit line would be raised to $1000. I have done this and no increase!

I have a balance of $459, but I only have $3.00 available credit. Why?

Jan
 
Credit Score: 620 Credit Limit: 500 Age: 25-34
Posted 07/31 2019
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
Received a letter in the mail With the offer but after carefully reviewing the complaints And high fees I thought it was a BAD IDEA . I have a low credit score and trying to build but not going to fall back into messing with this company here . Make smart Decisions .. So I declined
 
Credit Score: 0 Credit Limit: 500 Age: 55-64
Posted 10/04 2018
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
It is really a disgrace that I can't get into the website to pay my bill online. They make it so difficult to pay your bill but our so quick to add late fees when you were trying to pay online. It should be an easy process.
 
Credit Score: 540 Credit Limit: 500 Age: 25-34
Posted 04/05 2017
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
I got a mailer with this card.

Annual fee: $125 the first year, then $96.
Monthly Maintenance Fee: From 2nd year, $10 a month.
APR: 30.49%
Credit Limit: $500

I already have Credit One and Opensky before that. Think I will pass on this. The fees look ridiculous compared to the cards I have. For reference, my score is now at 540.
 
Credit Score: 495 Credit Limit: 500 Age: 25-34
Posted 03/16 2017
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
I got the offer in the mail and the terms look like it is the same as what everyone else got.

$500 limit
AF: $125 first year, then $96
MF: $10 per month from second year.

I gave this a skip. I already have a Capital One secured, Opensky secured and more recently a FIngerhut Freshstart (which has been upgraded to a regular account). So no reason to pay all these fees just to get an unsecured mastercard.
 
Credit Score: 585 Credit Limit: 500 Age: 35-44
Posted 02/11 2017
Overall Rating: star ratingstar ratingno star ratingno star ratingno star rating
I applied and was told to deposit $150. My score was about 585 and I figured that with this score (though not great), I should be able to get a better, lower fee card. So I did not follow up. In fact, about a week later, I got approved for Fingerhut (no fees).