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

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 TransUnion* (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

  • $0 fraud liability for unauthorized charges

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

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Annual Fee

See Terms*

Annual Fee

$0

Annual Fee

$0

Regular APR

See Terms*

Regular APR

22.99% Variable APR

Rates & Fees

Regular APR

18.00%, Variable

Intro APR

N/A

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Intro APR

N/A

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 three bureaus

Cons
  • High fees

  • High APR

  • No rewards

  • Requires checking account

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.

For more information, see our full review of this credit card.