Reflex® Platinum Mastercard® full 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!


by José Gonçalo

05/02/2022 | Updated on 01/03/2023

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

Reflex Mastercard® credit card
Reflex® Platinum Mastercard® review. Source: Continental Finance

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 logo

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 ScoreFrom poor to good (between 300 and 719)
Annual Fee$300 Credit Limit à $75 Annual Fee Year 1, $99 Annual Fee Year 2 (remains the same)
$500, $750, $1,000 Credit Limits à $125 Annual Fee
Regular APR29.99% (variable)
Welcome bonusNone

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

Portrait of a happy woman buying online with a smart phone outdoors lying down on green lawn headphones on head. Multicultural model, mixed race, asian russian girl. Copy space. People and technology.
Learn more about the card’s pros and cons! Source: Adobe Stock.

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. Therefore, it is necessary to pay a fee of $30.

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?

  • Initial limit of up to $1,000 with the possibility to increase in just 6 months;
  • Qualify even with bad/limited credit;
  • Disclaimer in cases of fraud.

And what are the drawbacks?

  • High APR values;
  • High annual fee;
  • Monthly fee of $10 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 logo

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®.

About the author

José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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