Reflex® Platinum Mastercard® credit card review: is it worth it?

If you have bad credit, you know that it can be hard to find a card that is right for you. But don't worry, Reflex® Platinum Mastercard® can help you! Check out this review and learn how to use this product to rebuild your credit today.


Reflex® Platinum Mastercard® credit card: Get your credit score back on track!

Learn more about the Reflex® Platinum Mastercard® credit card. Source: Reflex Card Info.

There is a wide range of cards available in the market made especially to help consumers build or rebuild their credit. But with so many options to choose from, finding the one that suits your financial needs can be a little tricky. To help you decide, we brought a suggestion that you might find appealing: the Reflex® Platinum Mastercard® credit card. 

So, if you have a bad credit score and are searching for a new credit card to help you improve it, this is the article for you. Keep reading and see how this card may be just what you need. 

Girl holding Reflex card

How do you get the Reflex® Platinum Mastercard®?

Applying to the Reflex® Platinum Mastercard® card is easy and can be done online. Check out this article and learn how to do so in a quick step-by-step guide!

Credit Score300 to 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 – $125 Annual Fee
Regular APR29.99% (variable)
Welcome bonusN/A

Reflex® Platinum Mastercard® credit card

What are the card’s features? Source: Adobe Stock.

The Reflex® Platinum Mastercard® credit card can be a valuable tool if you are looking for a specific product to help you build or rebuild your credit score.

That is because this card caters to consumers with bad credit that had their applications denied by other institutions. 

It is a very straightforward product that offers an initial credit limit between $300 and $1000 with a potential increase in just six months.

It also provides reports to all three main credit bureaus once a month. And to top it all off, this card allows you to have access to your monthly score at Experian after signing up for e-statements. 

However, those are all the benefits this product has to offer. Since it’s a product designed for low credit scores, the issuer needs compensation if a new client fails to pay their credit card bill on time.

Therefore, the card charges their cardholders a high annual fee and high interest rates. 

The card company even charges some of those fees before you begin to use their product, reducing the amount of credit available from the start.

For instance, if you have an initial credit limit of $1000 and your annual fee is $75, your actual spending limit will be $925. 

That said, check out some of the benefits and drawbacks of this product below.


  • 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.


  • High annual fees.
  • High APR.
  • Charges maintenance fee after 12 months.
  • No intro bonus, rewards, or cash back.
  • Charges $30 for an additional credit card.
  • A checking account is required.

Credit scores required

This card is for people with limited or bad credit. Therefore, if you’re interested in applying for it, a credit score as low as 300 should get you approved.

Be sure to read all the information before sending in your application. Not using this product properly can impact your financial health even further.  

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Reflex® Platinum Mastercard® credit card application: how to do?

After learning everything there is to know about the Reflex® Platinum Mastercard® credit card, how do you feel about getting one for yourself? We’ll give you a step-by-step guide at the following link!

Girl holding Reflex card

How do you get the Reflex® Platinum Mastercard®?

Applying to the Reflex® Platinum Mastercard® card is easy and can be done online. Check out this article and learn how to do so in a quick step-by-step guide!

About the author  /  Aline Barbosa

Aline Barbosa is an editor, writer and learning-enthusiast. Passionate about music, books and human behavior. Curious about the unknown. Believer that learning is a life-long process.

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