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!


Reflex® Platinum Mastercard®: Boost your score, no credit required!

Reflex® Platinum Mastercard®
Read our full Reflex® Platinum Mastercard® review. Source: Stealth Capitalist.

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

Reflex® Platinum Mastercard®

How to apply for the Reflex® Platinum Mastercard®?

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

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 – $125;
  • Regular APR: 29.99% variable;
  • Welcome bonus: N/A;
  • Rewards: There’s no rewards programs available at this time.

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, 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

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

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® Platinum Mastercard® 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® 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, 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® Platinum Mastercard®?

Concluding our Reflex® Platinum Mastercard® review, it’s clear that this is a solid alternative for those looking to regain their spending power.

If you’re one of those people, keep exploring further in the following link. We’ll give you a complete walkthrough of the application process.

Reflex® Platinum Mastercard®

How to apply for the Reflex® Platinum Mastercard®?

The Reflex® Platinum 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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