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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
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
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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
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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: 675 Credit Limit: 500 Age: 35-44
Posted 10/07 2019
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I may not be the best person to put in a review because I collect credit cards like most people collect baseball cards, but recently I started comparing my cards and this one really doesn't hold a candle to my Capital One, Credit One or Discover Cards and with that said it probably is a good starter card, but not much more.

The rate is high, as is the annual fee, but I don't carry much of a balance on it, but it's nice to have. The $500 limit is a bit low and after looking at what it would cost me annually, I think I may chop this one up and cancel the account. Try some of the bigger name cards, but if this is the only one you can get, just use it to pay something small over 3-6 months and then maybe dump it because your score should have increased quite a bit by then.
 
Credit Score: 560 Credit Limit: 500 Age: 35-44
Posted 10/02 2019
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.
 
Credit Score: 560 Credit Limit: 500 Age: 35-44
Posted 10/02 2019
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.
 
Credit Score: 630 Credit Limit: 1100 Age: 45-54
Posted 07/23 2019
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
Credit was decimated after bad divorce. Started off with $500 credit limit. I’ve been using the card on a regular basis and making weekly payments instead on one monthly payment. This way I am never late and I can easily pay more than the minimum this way. I’ve received 2 increases both for $300. Yes the interest is high, but I’m starting over and it’s the price I pay until I get to where I can get a prime card. I’ve had NO problems with customer service. I’ve let them know when I have to go out of town and when I return. You’ve got less than great credit, you get a less than prime credit card until you recover your credit score.
 
Credit Score: 680 Credit Limit: 500 Age: 35-44
Posted 06/14 2019
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
I got this card a year ago when my Credit was onky 435. Using this and only one other card, I've gone up to 680. It HAS an App. Continental Finance App. You can make pmts. easily, I don't know why others are complaining. Also, I never paid $50 to start, and and it is Unsecured so, yeah. Maybe people just don't want to find out all the info. first, but it's all there when you apply. Good card to help bad Credit.
 
Credit Score: 659 Credit Limit: 800 Age: 55-64
Posted 02/08 2019
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
Accepted this card when my husband died suddenly 3,000 miles from home. The website has a couple quirks but if you fiddle with it, ultimately everything works. I pay the monthly and annual fee immediately. I keep it at a zero balance. I've considered cancelling but I'm comforted knowing it is there.
 
Credit Score: 600 Credit Limit: 500 Age: 25-34
Posted 01/14 2019
Overall Rating: star ratingstar ratingstar ratingstar ratingno star rating
Its a help build credit card it works fine for me just high interest just using it for 1 year then closing it