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Reflex Mastercard® Credit Card review

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Heavy fees make this a poor choice for building credit.

The Reflex Mastercard® Credit Card comes in two variants — an unsecured and a secured card. But you can’t choose which one to apply for. If you get the secured version, the maximum credit line you can deposit is $750. However, both cards come with a host of fees, including a $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.

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.


Annual fee

25.9% to 29.99%

Purchase APR (variable)


Recommended credit score


Product NameReflex Mastercard® Credit Card
Card typeMastercard
Annual fee$99
Purchase APR25.9% to 29.99% variable
Balance transfer APRN/A
Cash advance rate25.9% to 29.99% variable
Cash advance fee$5 or 5% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 25 days
Late payment feeUp to $39
Returned payment feeUp to $39
Additional cardholder fee$30

What to watch out for

  • Low credit limit.
    The stated maximum credit limit for this card is up to $750. Which isn’t bad, but the card’s numerous fees cut directly into this limit, meaning you can expect a lower amount. Many secured cards base your credit limit on your security deposit, meaning you can set your own limit up to a stated maximum.
  • Numerous high fees.
    The Reflex Mastercard® Credit Card features an astounding number of fees for a card designed to build credit:
    • Annual fee. You’ll pay a $99 annual fee to use the card. Note that you can find similar credit-building cards with no annual fee at all.
    • Monthly maintenance fee. Starting the second year, you’ll pay a monthly service fee of $0 to $10, adding up to $0 to $120 annually. Reflex waives these fees for your first year, but it’s not a normal fee by any credit card standard.
    • Additional card fee. You’ll pay an additional $30 if you want another card.
    • Late and returned payment fees. You’ll pay $39 for each payment that isn’t on time or bounces. Many cards average from $27 to $35 for such fees.
    • Cash advance fee. Advances attract a fee of either $5 or 5% of each cash advance, whichever is more.
    • Foreign transaction fees. Overseas payments will run you 3% of each transaction.
  • High APR.
    The card’s purchase APR is 25.9% to 29.99% variable. This is higher than you’ll find with many other secured and unsecured cards for building credit, which average a variable APR of 20%.
  • No grace period.
    This card lacks an interest grace period on your purchases. The only way to avoid interest is to pay your entire account balance in full by the payment due date each month, which is nearly impossible to do with a monthly maintenance and other fees.

Compare unsecured cards for building credit

Name Product Filter values Purchase APR Annual fee Recommended minimum credit score
24.9% fixed
$0 to $99
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
26.99% variable
A no-annual-fee card for average credit. Earn a higher credit line after five on-time payments.
24.9% fixed
$35 to $99
All the benefits of Mastercard Gold for those with less than perfect credit.
34.99% fixed
$75 intro annual fee for the first year ($48 thereafter)
Build or rebuild your credit with this Visa credit card.
19.74% to 25.74% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.

Compare up to 4 providers

How to apply for the Reflex Mastercard® Credit Card

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.

  1. Gather your personal and financial information and apply now to see if you prequalify without affecting your credit score.
  2. Enter your personal details, then click Continue your application.
  3. Enter the confirmation code sent to your smartphone.
  4. Enter your Social Security number and financial information, then click Continue.
  5. Complete other required information, then review and submit your application.

What credit score do I need?

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.

Bottom line

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 other secured credit cards.

Frequently asked questions

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  1. Default Gravatar
    November 4, 2019

    I’ve been approved and wanted to know how long it would take to receive my card.

    • AvatarStaff
      November 4, 2019

      Hi Sheila,

      Thanks for getting in touch! Great to know you were approved! Generally, a credit card takes 10 working days to be delivered to you. Ultimately, it would be best to contact Reflex directly to know the status of your card delivery.

      Hope this helps!


  2. Default Gravatar
    September 25, 2019

    Can you make online purchases with this card

    • AvatarStaff
      September 26, 2019

      Hi TexasChilln,

      Thanks for getting in touch. Yes you can make online purchases with the Reflex Mastercard. Note that the card’s purchase APR is 29.99% variable. This is higher than you’ll find with many other secured and unsecured cards for building credit, which average a variable APR of 20%.

      As a friendly reminder, check the eligibility requirements of the card before proceeding with your application. Also, read about its features and benefits and see how it fits your financial needs. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. You may also reach out to the bank if you have any clarifications.

      Hope this helps!


  3. Default Gravatar
    April 3, 2019

    I applied for the Reflex Card. How do I check the status?

    • AvatarStaff
      April 4, 2019

      Hi Louise,

      Thanks for reaching out to Finder.

      If you want to make a follow-up on the status of your Reflex Mastercard application, you need to contact the provider and inquire with them directly. Please note though, that in some cases additional information is needed as part of the application process, so it could take up to 30 days before they can give you a decision.

      I hope this helps.


  4. Default Gravatar
    March 30, 2019

    Can I use the card in Canada?

    • Default Gravatar
      March 31, 2019

      Hi Victoria,

      Thank you for getting in touch with Finder.

      Upon checking, you can use the Reflex Mastercard® at locations everywhere that Mastercard® is accepted. I hope this helps.

      Thank you and have a wonderful day!

      Kind regards,

  5. Default Gravatar
    March 11, 2019

    Where can I get cash back at an ATM

    • AvatarStaff
      March 11, 2019

      Hi Tiff,

      Thanks for getting in touch! If you are referring to cash advances – it says on one of the comments on the page – If your credit card has a PIN, you can get cash advances directly from an ATM. Otherwise, you can take your card to a bank that offers advances through your card’s payment network, such as Mastercard or Visa and you’ll have to show ID.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.


  6. Default Gravatar
    November 15, 2018

    I know this is for questions but wanted to say thank you for helping me rebuild my credit after a horrible divorce. It’s a great card that has given me the opportunity to now rebuild my credit. Thank you so much for having this available for people who are in my shoes!! Thanks again!!

  7. Default Gravatar
    July 22, 2018

    How do I set up my card for cash advances?

    • AvatarStaff
      July 23, 2018

      Hi Rosario,

      Thank you for your comment.

      If your credit card has a PIN, you can get cash advances directly from an ATM. Otherwise, you can take your card to a bank that offers advances through your card’s payment network, such as Mastercard or Visa and you’ll have to show ID. I hope this helps.


  8. Default Gravatar
    June 14, 2018

    Will this card allow me to go over my available credit limit

    • Default Gravatar
      June 14, 2018

      Hi Edith,

      Thanks for leaving a question on finder.

      Reflex could offer adjustable credit limits depending on your overall financial situation. Although spending within your credit limit is encouraged since Reflex will be able to increase your credit limit (typically after 12 months) if they see you responsible in your spending.

      Generally, spending beyond your limit is discouraged on credit cards as the issuer may charge overcharge fees, decrease your limit or even close your account if you go over your limit habitually. They may also increase your interest rate if your credit history shows that you regularly exceed your credit limit, and your credit score may be negatively affected.


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