Reflex Mastercard® Credit Card

Reflex Mastercard® Credit Card

on Celtic Bank's website

Reflex Mastercard® Credit Card

Reflex Mastercard® Credit Card

Reflex Mastercard® Credit Card

on Celtic Bank's website

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Card details

  • See if you’re Pre-Qualified with no impact to your credit score

  • All credit types welcome to apply

  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)

  • 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

  • Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)

Rates, fees & offers

  • Annual fee

    See Terms*

  • Rewards rate

    N/A

  • Bonus offer

    N/A

  • Intro APR

    N/A

  • Ongoing APR

    APR: See Terms*

  • Foreign transaction fee

    See Terms*

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual fee

See Terms*

Annual fee

$0

Annual fee

$0

Regular APR

See Terms*

Regular APR

26.99% Variable APR

Regular APR

22.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

N/A

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Gregory Karp

Rating details

2.2

Editor's overall rating

Pros and cons

Pros
  • Qualify with limited/bad credit

  • Reports to the three major credit bureaus

Cons
  • High annual fee

  • High APR

The Reflex Mastercard® Credit Card is a fee-heavy card with high interest rates and low credit limits.

It does report to all three major consumer credit bureaus, meaning it can help you build or rebuild credit. But even if you have bad credit, there are better options to choose from.