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From $75
Annual fee
25.9% to 29.99%
Purchase APR (variable)
580
Recommended credit score
Review by
Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on Debt.com, CreditCards.com and Lifehacker.
The Reflex Mastercard® Credit Card comes with a host of fees, including a $75 to $99 annual fee, a monthly fee of $0 to $10 starting from the second year, and you’ll get a high APR between 25.9% to 29.99% variable with no grace period. And if you think to yourself “that sounds like a lot of fees for a card that helps you build credit,” you’d be right.
Ultimately, the high fees and the high APR make the Reflex Mastercard® Credit Card a poor choice for building credit. Consider applying for this card if you really want it, but you can find a better credit-building card elsewhere.
You can apply online for approval in minutes. But make sure to budget for setup, maintenance and annual fees. All this budgeting isn’t necessary with most other credit-building cards.
Apply with a fair credit score of 580 or higher. The card is designed for those looking to build or rebuild their credit regardless of creditworthiness, and so approval rates are high.
Given expensive fees, a high APR and a general lack of features, the Reflex Mastercard® Credit Card isn’t a helpful choice for building credit.
For a safer, more effective path to building credit, compare secured credit cards.