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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
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star rating
Best Review
OVERALL RATING
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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
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Most Helpful 4-5 Star Review
OVERALL RATING
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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
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Most Helpful 2-3 Star Review
OVERALL RATING
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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: 600 Credit Limit: 800 Age: 45-54
Posted 08/16 2020
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
Firstly, I do not have -- and have never had -- the greatest credit. To be honest, I didn't have the benefit of being instructed as to the importance of "good credit" was until I was well into my 40s. I am thankful to have been blessed to be offered this card -- yes. However, it didn't take me long to realize that working with it would be more of a hindrance to my conscious effort to improve my score (I use a spreadsheet and monitor ALL PAYABLES DAILY!) and it is because of that I saw that without a MUCH faster 'turnaround' time for payment posts, I may as well paid cash for the purchases I've made. I fully intend to maintain the account, but it has been relegated to the end of the line in terms of 'activity.' We'll see how the company chooses to expedite their payment posting going forward and perhaps it'll be used as an actual credit building vehicle.
 
Credit Score: 650 Credit Limit: 500 Age: 45-54
Posted 05/02 2020
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!
 
Credit Score: 0 Credit Limit: 0 Age: 18-24
Posted 11/26 2019
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
I make a payment you give me credit I got to weigh 7 day for my cedit be apply I just don't understand this is the first card that do this
 
Credit Score: 612 Credit Limit: 500 Age: 45-54
Posted 06/15 2017
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
$500 credit limit. Unsecured card. Nothing about this card impresses me, but I am rebuilding my credit so thats why I pulled the trigger on this one. I started with finger hut, then a credit one card and now this one. I will get rid of it as soon as I can, but at least I have it if I need it. It is very annoying that the payment is out of my bank, the credit card company shows the payment has been made and there is no balance owed, but they still won't make that money available to use yet. At least I have a regular card and I am rebuilding my credit, so It will get better.
 
Credit Score: 503 Credit Limit: 500 Age: 25-34
Posted 04/01 2017
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
I am in the process of rebuilding my credit. I got a mailer for this and decided to apply. The fees are high but I figured that I will only keep this card for up to a year max and cancel before the next annual fee.
 
Credit Score: 537 Credit Limit: 500 Age: 35-44
Posted 03/04 2017
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
Got this offer from the mail. The fees are high and so is the APR. I have an existing Fingerhut account but I want a regular Visa or MasterCard and I seem to get rejected even by other similar cards like Credit One, FP and Indigo. So I gave this a shot and got approved for $500. My plan is to charge about $20 a month and pay in full and then cancel after one year.
 
Credit Score: 495 Credit Limit: 500 Age: 35-44
Posted 02/26 2017
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
Can't believe that I actually pulled the trigger on this card. But I have been turned down by Citi and Wells for their secured card. So, this is perhaps my ticket to a better score. Just got it but I have been putting about $30-$40 a month on the card and paying it off in full. I notice a payment hold for about 7 days but since I only utilize about 10% of my available credit, it does not bother me at all.
 
Credit Score: 552 Credit Limit: 500 Age: 25-34
Posted 02/18 2017
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
Got the pre-approved mail and when I applied, I was asked put a $50 deposit for a $500 limit. I did that and have just started using the card. BTW - the do put a 7 day hold on your deposit so you would not be able to use the card then.
 
Credit Score: 610 Credit Limit: 500 Age: 25-34
Posted 02/06 2017
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
Here's a quick warning. They put a payment hold on your account for about 7 days. So it is best not to use up your whole limit.
 
Credit Score: 583 Credit Limit: 500 Age: 25-34
Posted 01/29 2017
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
The fees are so high. But I have been rejected by a couple of secured cards and even First Premier! So I was glad that at least someone would give me another chance. The one thing to be aware of is that they put a hold on your payment for about a week.
 
Credit Score: 534 Credit Limit: 500 Age: 25-34
Posted 01/21 2017
Overall Rating: star ratingstar ratingstar ratingno star ratingno star rating
Got the pre-approved mail and applied online. I was approved for $500. Have not used it for long so maybe I'll check in at a later date for an update.