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Reflex® Platinum Mastercard® review: should you get it?

Check out this full review of the Reflex® Platinum Mastercard®, the all-score card with an initial credit limit of $1,000. Learn everything about it here!

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Reflex® Platinum Mastercard®: rebuild your credit with an initial limit of up to $1,000

Reflex® Platinum Mastercard® card
Reflex® Platinum Mastercard® review. Source: Foster the Money.

In fact, those who have bad credit suffer a lot until they find a good card to improve their history. However, the Reflex® Platinum Mastercard® review can be the support and confidence you need to resolve your financial situation.

Find out all the details about this card in this full review.

Reflex® Platinum Mastercard®

Reflex® Platinum Mastercard®: check out how to apply!

A credit card that accepts any score and offers an initial limit of up to $1,000. Learn how to get your Reflex® Platinum Mastercard®.

Credit ScoreFair/Poor/Bad/Limited.
Annual Fee$75 – $125.
Regular APR35.90% fixed.
Welcome bonusNone
RewardsNone

Reflex® Platinum Mastercard®: learn more about this financial product

woman smiling while holding a credit card
Learn more about the card’s pros and cons! Source: Canva.

In fact, the main characteristic of Reflex® Platinum Mastercard® is its openness to the application, regardless of its score or history. In this way, many people who have never had a credit card or face a bad score moment bet on this card.

People with bad credit tend to be cautious when applying for a card. Thus, an inquiry to a credit can further damage your score. However, those who apply for the Reflex® Platinum Mastercard® need not worry about this.

Pre-qualification lets you know whether you will pass or not, even before confirming your application.

Also, with it, you have access to an initial limit between $300 and $1,000. Not bad! Your credit is checked every semester, and by paying your balance on time, you can reach the maximum limit of $2,000.

To help you rebuild your credit, the Reflex® Platinum Mastercard® sends payment reports to three credit bureaus. They are: TransUnion, Experian, and Equifax. To track your progress, you can check your credit score for free every month.

In cases of unrecognized purchases or any type of fraud, you will not be penalized. In fact, this is what the Mastercard Zero Liability Protection system guarantees.

Finally, you can add another holder to your account. However, it is necessary to pay a fee of $30. Additionally, if your credit limit iis between $300 or $500 you’ll be subject to a monthly maintenance fee ($0 introductory fee for the first year, then $150 thereafter, billed $12.50 per month).

Now that you know more about this card, here are the advantages and disadvantages it can provide:

Reflex® Platinum Mastercard® features

In fact, if you have bad credit, you need to think hard about choosing your new card. After all, a wrong choice can worsen your track record. Below, we leave a list of the main advantages and disadvantages of this credit card.

So, you can know how much this card can help you:

What are the benefits?

  • 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.

And what are the drawbacks?

  • High APR values;
  • High annual fee;
  • Monthly fee of $12.50 after the first year;

What credit score do you need to get the Reflex® Platinum Mastercard®?

This card is the type of card that does not create difficulties in accessing credit. That way, even with a bad credit score, you can get it. Virtually any score between 300 and 719 will be well accepted.

How does the Reflex® Platinum Mastercard® application process work?

You can order it without leaving your home by calling or through the product’s official website. To help you in this online process, we have created an article to answer questions about this procedure. Click on the link below to check it out:

Reflex® Platinum Mastercard®

Reflex® Platinum Mastercard®: check out how to apply!

A credit card that accepts any score and offers an initial limit of up to $1,000. Learn how to get your Reflex® Platinum Mastercard®.

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