
Think of the Reflex Platinum Mastercard as a tool to embark on your credit-building journey. With each on-time payment, you are taking a step toward a stronger financial future, as your account activity is reported to the three major credit bureaus. This card provides the opportunity to show your creditworthiness and gain access to the convenience and security of a Mastercard.
Key Features and Benefits
The Reflex Platinum Mastercard’s benefits are centered around credit building and providing access to a credit line.
- Opportunity for Less-Than-Perfect Credit: This card is accessible to individuals with fair, poor, or limited credit histories, offering a chance for approval when other options may not be available.
- No Security Deposit Required: As an unsecured card, you can get started without having to provide a security deposit, making it more accessible if you have limited funds.
- Reports to All Three Major Credit Bureaus: The Reflex Platinum Mastercard reports your payment history to Experian, Equifax, and TransUnion. Consistent, on-time payments can help build a positive credit history.
- Initial Credit Limit Up to $1,000: You can receive an initial credit limit of up to $1,000, providing you with the flexibility for everyday purchases.
- Mastercard Zero Liability Protection: Shop with confidence knowing you are protected from unauthorized charges if your card is lost or stolen.
- Free Monthly Credit Score: By enrolling in electronic statements, you can get free access to your Vantage 3.0 score from Experian, allowing you to track your credit-building progress.
- Prequalification Available: You can check your likelihood of approval online without an initial impact on your credit score.

Who Can Apply
The Reflex Platinum Mastercard is designed for individuals who are looking to build or rebuild their credit. While approval is not guaranteed, here are the general criteria you’ll need to meet to apply:
- Age: You must be at least 18 years old.
- Residency: You must be a resident of the United States with a valid physical U.S. address.
- Identification: A valid Social Security Number (SSN) is required for the application.
- Credit Profile: This card is specifically intended for individuals with fair, poor, or limited credit histories. Applicants with higher credit scores may not be approved.
- Income Information: You will need to provide information about your income.
- Checking Account: Having an active checking account is typically a requirement for this type of card.
How to Apply
The application process for the Reflex Platinum Mastercard can be started online:
- Prequalify Online: It is recommended to start with the prequalification process on the Reflex Card website. This will give you an indication of your chances of approval without a hard inquiry on your credit report.
- Review the Offer: If you prequalify, carefully review the terms and conditions, including the specific fees and credit limit you are offered.
- Submit a Full Application: If you decide to proceed, you will need to complete a full application with your personal and financial information.
- Receive a Decision: You will receive a final decision on your application. If approved, your card will be mailed to you.
Frequently Asked Questions
1. Is the Reflex Platinum Mastercard a legitimate credit card?
Yes, it is a legitimate Mastercard issued by Celtic Bank or The Bank of Missouri and serviced by Continental Finance. It provides a real credit line and reports to the major credit bureaus.
2. Does this card offer any rewards like cash back or travel points?
No, the Reflex Platinum Mastercard does not offer a rewards program. Its primary purpose is to provide access to credit for individuals who are building or rebuilding their credit score.
3. How much will my credit limit be?
Your initial credit limit will be between $300 and $1,000, depending on your creditworthiness. Keep in mind that your annual fee will be immediately charged to your account, reducing your initial available credit.
4. Is this a good long-term credit card?
Due to its high fees and interest rate, the Reflex Platinum Mastercard is best viewed as a short-term tool for credit building. Once you have established a positive payment history and improved your credit score, it is advisable to seek out more traditional credit cards with lower fees and better benefits.