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Reflex® Platinum Mastercard®
- 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
| Regular APR | Annual Fee | Credit Needed |
|---|---|---|
| 29.99% APR (Variable) | $75 - $125 | Fair/Poor/Bad/Limited |
Offer Details
26 Product Reviews
Great for Rebuilding
8 months agoIt's a good card to have if you keep your promise of on time payments like I did for 6 months. I was given an increase as promised from $300 to $600. It's good for rebuilding your credit. However the APR is very high.
Good Card
1 year agoI never even asked for a credit increase and one day I was checking my balance and it had doubled my line of credit. I also have the Cerulean card and they are from the same company and it was doubled also within a few months . I have my min payments set up through my bank but always pay extra because I go to auctions and like to keep my balances low on the cards . All in all Im very glad to have them and was actually surprised when I was approved for both cards.
great card with a better credit limit than most
1 year agogave me a 10000 limit so it's worth the fees and they will raise it if you pay on time for 6 months just put them on auto pay and your set for better credit
Good for credit rebuild
1 year agoI have jad this card for maybe 5 years without issue. Yes there are fees but its in the fine print. This was the only card I could get when my credit was bad but I paid this card, always paid early and my credit was increased automatically. It takes longer for your payment to be credited so pay earlier so your payments will be applied before the due date. They do report to the credit bureau
happy
1 year agoI have no problem with this card. And is helping my credit score. in about 6 months they automatically doubled my credit limit.
Excessive charges
1 year agoThank you for showing these additional charges. I didn’t read the fine print now I have to wait a few months before closing this card
Excessive charges
1 year agoThank you for showing these additional charges. I didn’t read the fine print now I have to wait a few months before closing this card
No Credit Line Increase
2 years agoI had this card and FIT about the same time. Every 6 months upon eligibility for CL increase, Reflex declines me saying I had too many transaction declines and too much negative activity on my account. But after a real person reviewed it, they were puzzled that I didn't get approved when my balance was paid in full every month with no interest, no late payments, no extensions, and no transactions ever being declined. Started out at $300 and that is where it stayed until I closed the account.
Rebuilding after bankruptcy!
2 years ago"Rebuilding after bankruptcy. $750 credit limit supposed to double at 6 months. Takes awhile for available credit to up date after making a payment. its not instant like Capital One Credit Card. "
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Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.
Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are the author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.
† Approval Odds: Credit Sesame calculates your approval odds by comparing your credit profile to other Credit Sesame members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and criteria to make credit and lending decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.
†† Average and Lowest Scores: “Average” and “Lowest” scores refer to the scores of Credit Sesame members who were approved for this product. These scores are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions. The TransUnion credit score Credit Sesame provides you is based on the VantageScore 3.0 model and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website.
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Loan APR Estimates: Annual Percentage Rates, loan terms and monthly payments shown are estimated based upon analysis of your credit profile, information you entered, and/or rate information provided by lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms shown do not bind any lender. All loans are subject to credit review and approval. When evaluating offers, please review the lender’s terms and conditions for additional details.
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