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Reflex Mastercard

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This high-interest Mastercard is available to all credit types and offers monthly reporting to the three major credit bureaus, along with a free credit score and an instant application decision. You may find some unusual fees on this card such as a monthly fee, processing fee, activation fee, and potentially more.

Our rating
Min. credit level: Bad
Annual Fee: See Terms*
Regular APR: See Terms*

Reflex Mastercard

Our rating
Bad Min. credit level
See Terms* Annual Fee
Apply Now

Highlights & Features

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee See Terms*
Returned Payment Fee See Terms*
Additional Cards Annual Fee N/A
Foreign Transaction Fee See Terms*
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR See Terms*
Cash Advance Fee See Terms*
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Free Credit Score
  • Zero Liability on Unauthorized Charges
Reflex Mastercard


  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
  • Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)

Celtic Bank

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service


The Reflex Mastercard, issued by Celtic Bank, offers consumers with a less-than-perfect financial history an option to rebuild credit and improve credit scores.

If you can deal with the many fees and high interest rate, this card can help you build credit. It reports monthly to the three major credit bureaus, offers a free credit score, and may give a credit limit increase after six months of use.

If you’re working on rebuilding your credit you may find fewer fees and better terms from a secured card instead.


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