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- Regular Purchase APR 35.90% Fixed
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $75 - $125
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
- Regular Purchase APR 35.90% Fixed
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $75 - $125
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
Highlights
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
Card Fees
Foreign Transaction Fee
3% of each transaction in U.S. dollars
Balance Transfer Fee
N/A
Penalty APR
N/A
Ongoing Information
Rewards Rate
Non-rewards card
Annual Fee
$75 - $125
Expert Reviews
From the CompareCards.com Editorial Team, updated on Nov 08, 2024
If you're looking for a card to start building your credit, Reflex® Platinum Mastercard® is a reasonable — though pricey — option.
Expert Reviews of the Reflex® Platinum Mastercard®
The Bottom Line
If you're a consumer with a low credit score, it might be worth seeing if you can prequalify for an affordable offer with the Reflex® Platinum Mastercard®. But, be sure to read the fine print carefully.
The Good
This card helps you build credit by reporting your timely payments to the three major credit bureaus. It also gives you $0 liability for fraudulent charges, which is a nice added feature.
The Not so Good
Before you commit to the Reflex® Platinum Mastercard®, you should carefully scan the conditions of your offer. The card comes with a lot of fees — the card charges an annual fee between $75 - $125, as well as a maintenance fee up to per month. Furthermore, the card's APR — 35.90% Fixed — is pretty high, even for a card geared toward consumers with low credit scores.
Editorial Note: This content is not provided by Continental Finance. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Continental Finance.
Consumer Reviews
OFFER RATING
/5.0
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Our pick for best unlimited travel rewards card
- Sign-Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Flexible Redemption Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- Rewards Rate 1.5 points per $1 spent on all purchases.
- Annual Fee $0
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- Rewards Rate 1.5 points per $1 spent on all purchases.
- Annual Fee $0
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Highlights
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
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- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
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- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.49% - 28.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
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Our pick for doubling your cash back
- Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- Intro Balance Transfer APR 0% intro APR for 18 months on Balance Transfers
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Highlights
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
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- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
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Our pick for best unlimited cash rewards card
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- Annual Fee $0
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Highlights
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
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