Reflex Mastercard Review: Is It A Good Credit Card?

Reflex Mastercard Review
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The Reflex Mastercard is best for those with bad credit, but it comes with high fees and minimal benefits.
  • Annual Fee:
    Terms Apply
  • Regular APR:
    Terms Apply
  • Recommended Credit Score:
    Poor, Bad

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The Reflex Mastercard was made for applicants with bad, not even fair credit. If you can’t get a credit card anywhere else, you may find yourself turning to the Reflex Mastercard.

Before you do, make sure you understand how it works and, most importantly, what it costs.

Reflex Mastercard Pros and Cons


  • Decent credit limit for borrowers with bad credit
  • Reports to the credit bureaus to help you build credit
  • Free access to your TransUnion credit score
  • Mobile account access
  • Automatic credit line increases after 12 months


  • Excessive fees
  • High APR
  • You need a checking account to qualify

What Is the Reflex Mastercard?

Reflex Mastercardis a credit card for people with poor credit or who are trying to build up credit. It’s not a cheap credit card as it comes laden with fees and high APRs, but if you’re in a position that no other credit card company will approve your application, it may be a good temporary option.

How Does the Reflex Credit Card Work?

The Reflex Mastercard has an annual fee, which we usually say to avoid unless you’re getting amazing rewards. If you have bad credit, though, a card with an annual fee is typically the only option.

Besides the annual fee, Reflex charges an annual maintenance fee. However, they don’t charge it during the first year, so if you use it to build credit and then close it before you’re charged the fee, you can avoid the hefty charges.

The Reflex credit card also has low credit card limits. On the high end, you’re looking at $1,000, but since it’s for applicants with bad credit, you’ll usually see limits much lower.

To make matters worse, the annual fee and maintenance fees come right off your account limit.

If you get a $400 credit limit and have a $99 annual fee, your credit limit is already down to $301. If you follow traditional rules to improve your credit, you’re looking at spending only $120 total, or you may hurt your credit score further – that leaves you with $21 to charge without hurting your credit.

Reflex Mastercard Review

  • Annual Fee: $99
  • Maintenance Fee: Up to $120 after the first 12 months; billed monthly ($10 a month)
  • Regular APR: 24.99% – 29.99%
  • Foreign Transaction Fee: 3%, but can be waived for the first year if you get approved for at least a $300 credit limit
  • Rewards: None

Why You Might Want Another Credit Card

High Fees

It’s normal for credit cards to have fees, especially an annual fee, but Reflex also charges a maintenance fee which makes this card very expensive.

If you don’t pay off the annual fee right away when you get the card, it will accrue interest, costing you even more money.

Requires an Additional Checking Account

You must have a checking account to have a Reflex credit card. If you don’t have a checking account, you won’t get approved, no matter how good your other qualifying factors are.

Interest Rate Will Make You Faint

The Reflex credit card doesn’t provide an option for a low APR. Right out of the gate, you’re looking at 24.99% up to 29.99%. That’s a lot of interest on a small credit limit.

Like we said before, the annual fee alone could quickly double if you don’t pay it off right away at interest rates like this.

Limited Credit Limit

Most applicants get a very low credit limit. It makes sense since the card is for poor credit applicants, but there are many other options for applicants with poor credit.

If you keep the Reflex card for over a year, you’re looking at another annual fee ($99) plus $10 a month for the maintenance fee. Your credit limit quickly disappears just with the fees charged.

Consider Credit Repair

Have you considered working with credit repair companies? They will help you fix your bad credit, file disputes with all three credit bureaus, and will provide tailored advice to help you.

How Does the Reflex Mastercard Compare?

#1. Reflex Mastercard vs. Petal® 2 “Cash Back, No Fees” Visa® Credit Card

If you have bad credit, but other areas of your financial life are ‘better,’ consider the Petal 2 Cash Back No Fees Credit Card.

The Petal card has no annual fee, offers credit limits between $500 – $10,000, and pays a 1% cash rebate on all purchases in the first 12 months and 1.5% cash back on eligible purchases after 12 months with on-time payments.

The Petal card doesn’t just look at your credit score to qualify you either – it uses other factors, including your timeliness in paying other bills and your income.

#2. Reflex Mastercard vs. Open Sky Secured Visa

The OpenSky® Secured Credit Visa® is a secured credit card. With a secured card, you put down a deposit which becomes your credit limit.

The deposit required is between $200 – $3,000, which means that’s your credit limit too.

The OpenSky® Secured Credit Visa® has a $35 annual fee and a 17.39% APR for all applicants. It charges all the basic fees credit cards charge (foreign transaction fee, cash advance fee, etc.), but there is a $10 inactivity fee if you don’t use the card for 12 months.

It doesn’t offer rewards, but it’s a great card to help you build credit. Once you build your credit up, you can cancel the card and get an unsecured credit card.

#3. Discover It Secured Credit Card vs. Reflex Mastercard

The Discover It Secured Credit Card is another secured card option. Again, you must make a deposit that is equal to your credit line, but it offers many other benefits.

The Discover It card has no annual fee, reports your payments to all three credit bureaus, and even offers rewards for your purchases.

Right now, Discover will match all cash back earnings for the first year too. You can earn 2% cashback on gas stations and restaurants and 1% on all other purchases.

The APR isn’t very attractive, but if you only use the card for 12 months and pay the balance off in full, you won’t care about the 22.99% APR.

#4. Capital One Secured Credit Card vs. Reflex Mastercard

The Capital One Secured credit card offers another secured credit card option with no annual fee and reporting to all three credit bureaus.

All applicants get a $200 credit line to start, but you may be eligible for a higher credit limit within 6 months.

The ongoing APR is high at 26.99%, and there aren’t any rewards, but if you’re looking for a credit card to help you build credit without a large deposit, this is a good option.

Frequently Asked Questions

Is the Reflex Mastercard Legit?

Yes, the Reflex Mastercard is legit, albeit expensive, though. If you have no other options, you may consider it, but look at the fees to make sure it’s truly worth it for you. That said, it is a great card that will help you build credit (if you make your payments), and serves as a nice steppingstone.

What Is the Annual Fee for the Reflex Mastercard?

The annual fee is $99 a year, but there is also the maintenance fee all cardholders pay after the first 12 months, which is $120.

Does the Reflex Mastercard Help You Build Credit?

Yes, the Reflex Mastercard may help you build credit, but there are many other cards with lower fees and APRs and rewards that may be a better option.

Is It Safe to Use the Reflex Mastercard?

It’s safe to use the Reflex Mastercard just like any other card, but again, watch the fees as it’s often not worth it.

Who Should Apply for the Reflex Mastercard?

Only apply for the Reflex Mastercard if you have no other options. Other secured credit cards offer more benefits (and lower fees) that may be better.

Bottom Line: Reflex Mastercard Review

Should you get the Reflex Mastercard? We think you should exhaust all other options first. If you can get a lower APR, higher credit limit, or even earn rewards as you try to build your credit back up, you’ll be in a better financial position.

Kim Pinnelli
Kim Pinnelli

Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelor’s Degree in Finance from the University of Illinois at Chicago. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions.