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Reflex® Platinum Mastercard®
Partner Offer

Reflex® Platinum Mastercard®

Our rating:1.8 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Bad to Fair 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.
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Balance Transfers Intro APR
Purchases Intro APR
Regular APR
29.99% APR (Variable)
Annual Fee
See Terms*


  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • 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

Staff Review

Editor's Rating:

1.8 out of 5

Our take: Riddled with fees, including an extremely high variable APR, the Reflex Platinum Mastercard is best seen as a last resort and stopgap for credit-builders.

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All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.