Quick Introduction
Similarities in Fees and Rates
Annual Fee - The annual fee will range between $75 and $99 during the first year and $99 from the second year onwards.
Monthly Maintenance Fee - Though there is no monthly fee during the first year, from the second year onwards, there will be a monthly fee between $0 to $10 a month. So you might not get charged a monthly fee at all.
APR - The APR ranges from 24.99% to 29.99%.
Starting Credit Limit - The starting credit limit ranges between $300 to $1,000. You may be offered a starting credit limit of $300, 500, $750 or $1,000.
Double Your Credit Line After Six Months - Your credit limit will double after six months if you pay your first six bill payments on time. That means a starting limit of between $300 - $1,000 will double to between $600 and $2,000.
Possible Terms
- $1,000 starting credit limit, a $99 annual fee and no monthly fee with a 25.9% APR.
- $700 starting credit limit, a $99 annual fee and no monthly fee with a 25.9% APR.
- $500 starting credit limit, a $99 annual fee and a monthly fee of $10 a month from the second year onwards, and a 29.9% APR.
- $300 starting credit limit, a $75 annual fee for the first year followed by a $99 annual fee from the second year onwards. There is also a $10 monthly fee from the second year onwards. The APR is 29.99%.
Other Similarities
- Free Experian Vantage Score - Both the Reflex and Surge offer free Vantage credit scores from Experian.
- Mobile App - Both have the same mobile app from Continental Finance
- Issued by Celtic Bank - Both cards (though marketed by Continental Finance) are also issued by Celtic Bank.
- Pre-qualify with no impact on credit score -
So Which Card is Better? Both are the SAME!
However, what ever terms you get approved for, your credit limit will double after 6 months if you pay your bills on time during the first 6 months. Both cards also offer a pre-approval process which involves a soft pull on your credit report with no impact on your credit score. That way, if you are not pre-qualified or pre-approved, you will save yourself a hard inquiry.
If you are contemplating either one of these cards, they are essentially the same. Just pick the design you like and see if you are pre-approved.