After your first year, you’ll pay the annual fee plus a monthly maintenance fee — which means you pay more overall in your second year. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Monthly maintenance fee. A high-limit no-annual-fee credit card that's ideal for rebuilding scores as low as 550. Ive got a reflex card how do i get cash off it. Ultimately, the high fees and the high APR make the Reflex Mastercard® Credit Card a poor choice for building credit. I know this is for questions but wanted to say thank you for helping me rebuild my credit after a horrible divorce. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s). This APR will vary with the market based on the Prime Rate. © 2020 CardBenefit, Inc. All Rights Reserved. Then watch your credit score rise. The card is designed for those looking to build or rebuild their credit regardless of creditworthiness, and so approval rates are high. Enter the confirmation code sent to your smartphone. Reflex Mastercard® Credit Card All Credit Types Welcome to Apply Apply with a fair credit score of 580 or higher. 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. All credit types welcome to apply. New York, NY, 10016. Reflex Mastercard® has higher than average purchase APRs. $75 intro annual fee for the first year ($45 thereafter). finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Reflex and Surge - Mastercard ® and the Mastercard acceptance mark are service marks used by Celtic Bank under license from Mastercard International. Enter your Social Security number and financial information, then click. Fast and easy application process; results in seconds. You’re charged a flat annual fee in the first month that covers your first year. Yes you can make online purchases with the Reflex Mastercard. Consider applying for this card if you really want it, but you can find a better credit-building card elsewhere. See if you prequalify with no impact to your credit. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Thankfully, you can check if you prequalify for the Reflex Mastercard before you apply. Nonetheless, all credit card offers are displayed without guarantee. Enjoy manageable monthly payments with monthly reporting to all three major credit bureaus. How do I set up my card for cash advances? An unsecured credit-building card with a $0 fee on cash advances for the first 12 months, then 5% or $5. Cards are issued by Celtic Bank and serviced by Continental Finance Company. Finder is committed to editorial independence. It’s a great card that has given me the opportunity to now rebuild my credit. You can apply online for approval in minutes. I agree to the Privacy and Cookies Policy, finder.com Terms of Use and to receive emails from Finder. Go to the official website of the Reflex Card. 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. 1. We may rely on information that is provided to us. You may be asked to make a deposit for a secured card. There may be a pin involved so it would be best to contact Reflex for further instructions. I went from 545 to 711 in 14 months. Getting approval for this card is a process that requires minimal predispositions and effort, and you’re very unlikely to get denied. Plus, they can pre-qualify you without the inquiry showing up on your credit report. Be careful of prepaid cards. No. CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. 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. Thanks for your comment and I hope you are doing well. This is an interesting card because it can be both an unsecured credit card and a secured one as well depending on whether they approve you for … Steven Dashiell is a credit cards writer at Finder. Input your current credit card balance and interest rate to calculate your potential savings. ? You may be asked to make a deposit for a secured card 25.9% to 29.99% variable $75 to $99 580 Made for people with poor credit who want an unsecured credit card. You may have experienced a difficult financial time and need a card that can help rebuild or establish your credit, with responsible card use. Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by Finder.com LLC. I hope this helps. The Reflex Mastercard ® Credit Card is issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC under license from Mastercard ® International. According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. The Reflex Mastercard is a basic credit card whose focus is being a payment solution that also helps to build credit. As a friendly reminder, you may want to review the application of fees and terms and conditions in doing a cash advance. If your credit card has a PIN, you can get cash advances directly from an ATM. On credit One Bank’s discretion month that covers your first year valuable content and comparison services to users,. 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