Reflex Mastercard Reviews

Reflex Mastercard Reviews

Reflects MasterCard is one of the many credit cards of bad credit available on the market today. It can be secured, and it can be unsecured; all of that depends on your qualifications, your credit score, and your credit limit.

Nevertheless, it does come with many pros and a ton of cons that you must understand quite diligently to make an informed decision regarding its suitability for you.

Pros and Cons of the Reflex Mastercard

Many people would advise you against this card as it does come with a plethora of disadvantages. Nonetheless, it does have its great attributes as it focuses on building your credit score more than anything else.

Now let’s talk about the advantages and disadvantages that you’re going to be subjected to if you apply and get accepted for the Reflex MasterCard. 


Mobile Banking

We literally do everything through our smartphones, and that’s why mobile banking is crucial to our everyday life. You’re constantly checking your credit after or before you make a purchase so that you’re sure that everything went well how it should be. 

The Reflex MasterCard supplies all its clients with free mobile banking anywhere and anytime so that they can consciously keep an eye on their spendings and savings. Although it might seem like an insignificant bit, it’ll help anyone with poor credit make better decisions, hence improve their credit score.

Online Banking

The same thing goes for online banking. You ought to be able to access your account from any electronic device and keep an eye on all the transactions that are happening. What was deducted, what was added?

As a result, the Reflex MasterCard enables you, through online banking, to make transactions through your phone, send money to someone, or receive money from someone. All of that is essential specifically if you run any type of small business that primarily depends on banking transactions from one place to the other all over the United States. 

No Security Deposit 

Security deposits are never a pleasant thing; let that be for your apartment or your credit card. You’re always thinking about whether or not you’ll be able to get the security deposit back and if they’ll deduct something from it. 

The great thing about the Reflex MasterCard is that they don’t require a security deposit. So, that won’t be hanging over your head as you pay your bills and try to deal with the whole lousy credit situation that you’ve got yourself into.

Significant Credit Limit

Whenever you apply for a credit card, you need to know the credit limit they’re giving you to see where you stand and what your limits are. Subsequently, you’ll play by the rules. 

That is even more important when the whole point of having this credit card is improving the bad credit that you already have, so you don’t want to exceed it. You certainly don’t want to get yourself stuck with a credit limit that doesn’t work for you in the first place. 

The thing about the Reflex MasterCard is that they have a significant range for their credit limit, starting at $300 and ending at $1000. We’ll come back to this point later, but these two numbers are considered adequate for someone who wishes to focus on saving, not spending.

Upgradable Credit Limit

Back to the credit limit point once again. After twelve months, if the lending company sees that you’ve improved your credit history by paying your bills in a timely manner, knocking out your loans one by one, not having any late or returned fees, and just dealing with your card in a wise manner, you’ll be subject to a credit limit increase. 

That will happen as you build up good credit and trust between you and the Continental Finance Company.

Free VantageScore 3.0 Access

The VantageScore 3.0 is the most used version of this program today. Even though the 4.0 version is out, the majority of business owners, lenders, and banks depend on the 3.0 version from 2013.

Consequently, having access to it through TransUnion is crucial for you to monitor your credit score. As a result, you’ll have better knowledge of where you stand with your credit score, whether you need to double your efforts or maybe lay back a little bit and treat yourself in regards to what you’re spending. 

The Reflex MasterCard is all about connections to and from the credit bureaus. Consequently, it provides its users with unlimited access to VantageScore 3.0 so that they can follow up on their progress.

Since the VantageScore 3.0 is the fruit of the hard work of the three reporting bureaus (Experian, TransUnion, and Equifax), you can always depend on it to summarize the real raw image of your credit score.

Banking Bureaus Reports

Not only does the Reflex MasterCard allow you access to VantageScore through TransUnion, but they also allow the VantageScore access to you as well. In other words, they offer monthly reports to the three credit bureaus Experian, Equifax, and TransUnion.

That way, you can start rehabilitating your credit score right from the beginning, and everything you do with your account will be reported to the credit bureaus precisely as it happened, which can be a blessing and a curse at the same time.

On the one hand, it’ll motivate you to improve your credit score as long as you feel that someone is monitoring you and that every action that you do will have an instant mirror reaction affecting your credit score. On the other hand, any mistake you make is going to be recorded and reported, which can further reduce your score. 

No Monthly Fees During the First Year

The fees of the Reflex MasterCard are such a massive dilemma as you’ve got so many of them to pay throughout the year. Yet, for the first year, you won’t be asked to pay the monthly maintenance bill.

It’s always a welcome plus when credit cards knock off a particular expense that would’ve snowballed into a significant sum of money at the end of the year. Still, at the end of these twelve months, you’ll start paying the monthly maintenance fee, which we’ll discuss later on.



As we’ve said before, the fees of the Reflex MasterCard are the biggest problem that you’re going to face. There are so many of them to deal with, and the numbers that you have to pay aren’t at all minimal. 

Although some of them can be waived for the first year, you’ll be shocked by the force of the sum that you’ll end up paying to have the credit card in the first place.


Firstly, you’ve got an annual fee of 75$-99$. The minimum number, which is $75, is already so high, so just the thought of paying almost $100 for a credit card is incredibly deterring from the whole project.

If you’re trying to improve your credit score, then you don’t want to be spending this amount of money on a credit card when there are other options for much more manageable fees.


Next, we’ve got the monthly fee which can cost anything between 0$-10$. Although this fee is waived for the first year, starting your following year, you’ll be paying up to $120, in addition to the first $100 that you had to pay, that’s $220 in credit card fees alone.

That’s not something that you’re actively spending money on; it’s just money taken out of your account for no extra services whatsoever. Hence, this fee is way, way too much.


Foreign transactions have become more and more popular as the world becomes more connected right now. You can be in any country in the world, which, for instance, doesn’t have Amazon, but you’ll buy something from Amazon and maybe send it to someone who already lives in the United States, and they’ll bring it to you. 

All of that can be done from the comfort of your home and using your own credit card. If you have a credit card that forces you to pay a hefty fee in addition to what you’re paying for your purchased item and its shipping, then you’ll mostly be discouraged from using it for international transactions.

You’ll already be faced by the price of the currency exchange; hence removing the transaction fee or placing a reasonably priced one to the features of a credit card is crucial these days.

The Reflex MasterCard has kind of done that by putting a 3% transaction fee on your international purchases. We wish they had totally removed the entire expense as it doesn’t make a difference for them whether you buy locally or from another country. 

However, on the bright side, 3% is not too high of a number, and if your credit score is above 300, then the fee will be waived for the first year. 

Adding an Authorized Individual 

A credit card doesn’t have to belong to a single person; you can easily have a credit card with a sibling, a spouse, a significant other, a friend, or even a roommate if you want to use it for specific purposes only.

Subsequently, anyone should be able to add an authorized user for a small price. Unfortunately, the Reflex MasterCard doesn’t follow that rule as you have to pay $30 per authorized individual. 

So, if you want to add your spouse and your child to this credit card so that they can use it, you’ll end up paying $60 in addition to all of the other fees that you’re already paying per month and per year.

Returned Payment

Returned payments happened to everyone. It could be an issue with your account, such as insufficient funds or freeze, or it could be an issue from the creditors themselves.

When that happens, it should pass without any trouble, as no one was harmed in the process. If you didn’t pay for something, then you shouldn’t take it, and that’s it.

Nevertheless, with the Reflex MasterCard, you’ll have to pay a fee of $40 for this error, which is a lot of money considering the fact that your purchase could’ve been something less than $40 and that it could’ve been not your fault.

Late Payment

Still on that note of payment error, if you’ve got a late payment, then you’ll also have to pay $40.

Expedited Payment 

On the other hand, if for some reason you need to pay for something really fast, and have the money reach the creditor immediately, then you’ll have to go for something known as Expedited Payment.

Using the Reflex MasterCard, that will cost you 10.95$ per payment. Considering that resorting to an Expedited Payment can, very well, be the last thing separating you from having to pay the late payment fee, which is $40, having to pay $11 isn’t a great option. 

Such a service should be offered for free or for a much lesser price than that, as you’re already paying way too much in annual and monthly fees.

Cash Advance

Sometimes ATMs are more important than people! You’re always searching for one wherever you are because sometimes credit cards just decide not to work, which is a situation that we’ve all found ourselves in before.

As a result, having the cash advance service allowing you to draw money from ATMs is essential for any credit card.

The thing is, the Reflex Mastercard does have it, but you’ve got to pay either 5% or $5 for the service, whichever comes out to be more profitable for the Continental Finance Company.

Changeable Numbers

Now that can be a little bit ambiguous, but we’ll explain immediately what we mean by changeable numbers. We’ve mentioned before that you’ll have a credit limit of $300-$1000 when you sign up and get accepted for the Reflex MasterCard.

However, say you got accepted for a $300 limit, they’ll most probably take out your annual fee before you even receive your card; hence, they’re safeguarding their own assets at the expense of your credit limit.

Consequently, you’ll be getting a limit that is smaller than what you were promised. For instance, if you’ve got, as we said, a $300 credit limit and your annual fee total up to $80, then your available credit will be $220, NOT the full $300 that you agreed on with the Continental Finance Company. 

Moreover, if you choose to add an authorized individual to your card, they’ll remove another $30, reducing your credit limit to $190.

As a result, this fine print talk that isn’t always explained to the clients can’t set them up for a good start. They will be surprised with what they’ve got in contrast with what they were promised.

No Rewards

Although you’re paying all these fees, the Reflex MasterCard doesn’t really offer any rewards, cashback, ATM reimbursements, or even discounts at certain stores. So, you’re not getting any bang for your buck when using the Reflex MasterCard. 

That can, genuinely, be such a deterring factor when compared with other cards that offer bonus points programs, cashback rewards, or even gas cards. Having any kind of reward might’ve taken the edge off the numerous fees that you’ve got to pay constantly.

High APR

There are countless credit cards for bad credit on the market. Some of them have APRs as low as 9.99% and 13.99%. The Reflex MasterCard requires you to pay anything from 24.99% to 29.99%, so it isn’t the best option here, to be honest.

If you end up with a number on the higher side of the spectrum, you’re unconsciously adding another colossal fee to the already present ones you must pay. So, as you can see, the fees are snowballing dangerously by now.

Must Have a Checking Account

We already know that the Reflex MasterCard is a credit card for people with bad credit. When you’ve bad credit, most banks will refuse you a checking account. That is precisely when you realize how bad your credit score is.

Only then will you start trying to improve it, and that’s why you get a bad credit credit card, and the cycle goes on. So, logically, if you’re catering to individuals with bad credit, you shouldn’t require them to have a checking account because, most probably, they can’t open one!

How to Apply For a Reflex Mastercard?

  • Open the Reflex MasterCard website and go for the online application that they have.
  • Start filling the application with the personal information they ask for, such as the name, date of birth, phone number, Social Security number, home address, employment, and monthly income.
  • Next, you’ll have to verify your security code through an SMS sent to your smartphone.

That’s it, the application process is finished, and now all you’ve got to do is wait for the response from the Continental Finance Company. They might answer you instantly, or they might choose to take 30 days to respond.

Alternatives to the Reflex MasterCard

As we’ve seen throughout the article, in several points, the Reflex MasterCard doesn’t shine as much as we wanted it to. So, you might surmise that it’s not the best option for you.

The great news is that the market is chock-full with various credit cards designed to help people with bad credit reach a much better score. We’ll list some of them.


To wrap up, the Reflex MasterCard is a bad credit credit card that you go for when you want to rebuild your credit score. Consequently, you want to focus on prioritizing your spending, knocking out your loans, and regulating your payments to be on time.

The great thing about it is that it provides monthly reports to the three credit bureaus. Hence, if you stick to the rules, you’ll be able to improve your score rapidly.

On the other hand, if you’re not up to the challenge and make the wrong decisions, that too will be received by the bureaus, and it’ll further worsen your credit score. So, you need to be extra careful!