Reflex Mastercard® full review

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


by Sabrina Paes

Published on 10/15/2022

Reflex Mastercard®: no credit score required!

Reflex Mastercard®
Check out our Reflex Mastercard® review! Source: Reflex Card Info

The pandemic brought many consequences, including difficulties with finances. In this way, credit card has become a great ally. This Reflex Mastercard® review came to show you a good option in these cases.

Reflex® logo

How to apply for the Reflex Mastercard®?

Reflex Mastercard® can help you with finances and rebuild credit. Find out how to apply online and via smartphone today!

The Reflex Mastercard® card 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 / Bad;
  • Annual Fee: see terms;
  • Regular APR: 24.99% to 29.99%;
  • Welcome bonus: N/A;
  • Rewards: monthly reports to the country’s three major credit bureaus to help build credit.


How does the Reflex Mastercard® work?

girl with card
Learn how this card works! Source: Adobe Stock

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

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

In addition, it has 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 your payments on time.

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



  • The credit limit quickly doubles from $1,000 to $2,000 after timely payments during the first few months.
  • Free use of Experian’s Vantage 3.0 score, one of the largest credit agencies in the country;
  • 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.


  • Very high-interest rates, with an APR that can reach 29.99%, 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.

Does my credit score need to be good?

As you can see in this Reflex 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, if you do not have a good credit score, this may be the ideal option. After all, it allows a good initial limit and credit reconstruction without needing a good score.

Want to apply for the Reflex Mastercard®?

Now that you’ve checked out this Reflex Mastercard® review, you may be curious about how to apply.

However, the application is not difficult and can be performed online. Find out how to make your application with the post below.

Reflex Mastercard®

How to apply for the Reflex Mastercard®?

Reflex Mastercard® can help you with finances and rebuild credit. Find out how to apply online and via smartphone today!

About the author

Sabrina Paes

Content Writer, Copywriter, and Ghostwriter. Content marketing professional with 5 years of experience. Specialist in investment, finance, and technology niche. MBA in Marketing at the University of São Paulo, Brazil. Content Writer by Rock Content, and University of California (UCDAVIS).

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