Created for individuals navigating tough credit circumstances, this card serves as an entry point for rebuilding. As an unsecured credit product, it removes the need for a cash deposit—an important benefit if your budget is tight. Its primary goal? To help you build reliable payment history, one of the key drivers of a better credit score.
Essential Features That Set Reflex Apart
Tailored for Credit Growth
This card is ideal for applicants with poor, limited, or fair credit who often face rejections from traditional lenders.
Reports to All Major Credit Agencies
Every payment is sent to TransUnion, Experian, and Equifax, helping you create a consistent and complete credit profile.
No Deposit Required
You’ll gain access to a credit line without having to lock away savings—no collateral is needed.
Starting Limits Up to $1,000
Depending on approval, you’ll receive an initial credit limit ranging from $300 to $1,000, giving you purchasing power while rebuilding.
Monitor Your Credit Monthly
When you opt into paperless billing, you’ll receive free updates on your VantageScore® 3.0 from Experian to track your credit health.
Security Backed by Mastercard
With Zero Liability Protection, unauthorized transactions are covered—your account is safeguarded at all times.
Soft Pull Prequalification
Before applying, you can check your eligibility without harming your score. This soft inquiry helps you explore options risk-free.
Who Can Benefit from the Reflex Mastercard?
This card is well-suited for U.S. residents who:
- Are 18 years or older
- Possess a valid Social Security Number
- Maintain an active checking account
- Have limited access to traditional credit due to prior challenges
- Accept the card’s fees and intend to use it as a temporary credit improvement tool
How to Get Started
Step 1 – Prequalify Online
Visit the Reflex Mastercard website and submit a quick form to check prequalification. This won’t affect your score.
Step 2 – Review the Offer
If prequalified, you’ll receive specific terms—including your credit line and any associated fees. Make sure to review them carefully.
Step 3 – Complete Your Application
Ready to proceed? You’ll finalize your application with a hard inquiry to confirm eligibility.Step 4 – Activate and Use Your Card
If approved, your card arrives by mail. Note: the annual fee is applied at activation, so your available credit may be reduced initially.
