CardCompareHub

Reflex® Platinum Mastercard®

Mastercard

Advertiser Disclosure: CardCompareHub may earn compensation from card issuers, affiliate networks, and other partners. Compensation may affect how and where offers appear, including their order, but advertisers do not control our editorial analysis. Terms apply.

Reflex® Platinum Mastercard®

Credit Score

300 680
Bad - Fair
Apply Now On Celtic Bank's secure website Terms apply. Approval is not guaranteed.

Annual Fee

$75 - $125

Foreign Fee

3% of each transaction in U.S. dollars

Purchase APR

N/A

Balance Transfer APR

N/A

Regular APR

35.90% Fixed

Rates & fees apply. View the Rates & Fees.

Editor's Take

CardCompareHub editorial

Editorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by Celtic Bank.

Reflex Platinum is an unsecured card for fair/poor/bad/limited credit with a meaningful initial credit limit, a high fixed APR, a tiered annual fee, a foreign transaction fee, no rewards, no security deposit, soft-pull pre-qualification.

Reflex is part of the Continental Finance card family alongside Surge — same issuer, similar economics. The starting line is higher than most secured-card alternatives, which can help with utilization ratios. The APR is standard for the subprime category and irrelevant if you pay in full. As a credit-builder, it works; the all-in first-year cost depends on which tier of fee you're offered at approval, so read the Schumer box before accepting.

Card Details

  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
  • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Also in: Top Credit Cards 2026 Mastercard Fair

Reflex® Platinum Mastercard®

Ready to apply? Visit the issuer's secure site.

Apply Now On Celtic Bank's secure website Terms apply. Approval is not guaranteed.

Rates & fees apply. See issuer's website for full terms and conditions.