Credit Cards

Reflex® Platinum Mastercard® Review

Finding card options when you don't have a good credit score can be difficult. Get to know the Reflex® Platinum Mastercard® and how it can help you!

Boost your score, no credit required!

If you’re looking for a credit card with a good starting limit to help you build credit, this Reflex® Platinum Mastercard® review is for you.

The Reflex® Platinum Mastercard® is an option with relatively high APR rates but accepts all credit scores.

In addition, it contributes to credit reconstruction to expand your negotiation possibilities. Keep reading!

Credit Score: Fair/Poor/Bad/Limited;
Annual Fee: $75 to $195, depending on your credit limit.
Regular APR: 35.90% variable;
Welcome bonus: N/A;
Rewards: There are no rewards programs available at this time.

Credit Card

Reflex® Platinum

low score build credit

Credit rebuild. No credit score required for qualification.

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How does the Reflex® Platinum Mastercard® work?

The Reflex® Platinum Mastercard® is an excellent option for rebuilding credit. After all, it allows people with bad credit scores to apply.

Therefore, the creditor reports to the main credit agencies after the payment is made on time.

This credit card also offers a wide range of benefits, including Mastercard Zero Liability Protection, free credit score access monthly, and an initial credit limit of up to $1,000.

In addition, there are reasonable fees to give the creditor security that you will pay the installments. However, there is an associated annual fee, depending on the analysis.

Reflex Mastercard® pros and cons

Credit cards aimed at those who do not have a good credit score usually have high fees. This results from the creditor’s lack of confidence that you make timely payments.

However, these options, like the Reflex® Platinum Mastercard® in this review, allow credit rebuilding and can open doors. Check out the pros and cons this option can bring you.

Pros

Woman holding the Reflex® Platinum Mastercard® — See the pros and cons below. Source: Reflex® Platinum Mastercard®.

The credit limit quickly doubles from $1,000 to $2,000 after timely payments during the first few months.
There is no minimum credit score to apply for;
The initial credit limit can range from $300 to $1,000;
Fraud protection program;
Wide possibility of use in establishments that accept Mastercard;
Monthly reports to the three major credit bureaus.

Cons

Very high interest rates, with an APR that can reach 35.90%, and more monthly and annual fees;
Requires the creation of an associated current account;
The initial credit limit is considered low compared to agencies aimed at people with higher credit scores.

Want to apply for the Reflex® Platinum Mastercard®?

The Reflex® Platinum Mastercard® Card is an excellent option for rebuilding credit. It also has a good starting limit and is open to requests by people with any credit score.

If you know how to apply, you can increase your chances and have a higher starting limit. Check out how to apply online below!

Does my credit score need to be good?

As you can see in this Reflex® Platinum Mastercard® review, this credit card has a lot of possibilities. In this sense, it is open to all types of credit, including low credit scores.

That is, this may be the ideal option if you do not have a good credit score. After all, it allows a good initial limit and credit reconstruction without needing a good score.

Requirements

Here are the application requirements for the Reflex® Platinum Mastercard®:

Age: Must be at least 18 (or the age of majority in your state).
Residency: Must be a U.S. resident with a valid physical address.
Social Security Number (SSN): Required for identity verification.
Income: Demonstrate sufficient income to support credit card payments.
Bank Account: An active checking account or debit card is required.
Credit History: Suitable for individuals with less-than-perfect credit; pre-qualification is available without impacting your credit score.

Apply online

Reflex® Platinum Mastercard® application page — See how to request this card online. Source: Reflex® Platinum Mastercard®.

Before considering applying for your Reflex® Platinum Mastercard® Card, it is important to consider whether you are eligible.

If you have the requirements, go ahead. Log in to the Reflex® Platinum Mastercard® official website using a computer or notebook with internet access.

Then, fill in the form with your personal and financial data and wait for your evaluation.

It is worth mentioning that the analysis can bring immediate results if there is no outstanding problem.

However, you can also be approved after a few days if there are any serious defaults.

Credit Card

Reflex® Platinum

low score build credit

Credit rebuild. No credit score required for qualification.

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Apply using the app

You can apply for the card through the official website by following the steps above. However, you can’t apply through the app.

But once you’re approved for the credit card, you can use the mobile app to manage your account anytime, anywhere.

Reflex® Platinum Mastercard® vs. FIT™ Platinum Mastercard®

As we have seen, the Reflex® Platinum Mastercard® Card is a great option for those with a bad credit score.

In addition, it carries reasonable APR rates and reports good usage to major credit bureaus. However, it is not the only option. You can also opt for the FIT™ Platinum Mastercard®.

After all, this credit card is ideal for rebuilding credit and does not require a good credit score. However, there is no initial bonus. Check out the comparison below.