Your search for a commendable card available at an average score ends here! With YourReflexCard, you don’t need to worry about poor scores, no credit history, or long application forms.

Continental Finance introduced the Reflex Credit Card. It targets people who need help to maintain a good credit score. It is one of the best choices you will find in the market for credit-building.

The invitation to apply for a Reflex credit card is often given through pre-approved mail offer or you can do so online by visiting the official website. It is a commendable credit card for those who wish to improve their credit score. Although it does not offer any rewards, you will have $0 fraud liability, an app to cater to payments, and credit limit up to $500.

YourReflexCard – Quick Overview

The first and most evident thing you will notice about the card is that it has some hefty additional fees involved. What cost do they come at? Is it necessary to pay for those? We will check that out. First, why should you still consider choosing this card over other credit-building options?

Note! Reflex Mastercard comes in secured and unsecured versions. You can choose which one you wish to apply for, although a secure Reflex card is a better option if you have a poor credit score.

Yourreflexcard credit limit is set at $500. Furthermore, this can easily be improved after responsibly using the card for just a couple of months. Most customers report a credit line increase after 6 months, much less than other credit cards that require you to wait at least a year.

Secondly, the card is an excellent option for those who wish to boost their credit score fast. It reports to all three major credit bureaus and, therefore, would help improve your financial standing in front of them.

Furthermore, the Reflex card would free you of fraud liability. You will not be answerable for the unauthorized purchases made via this case in case you have reported it missing or stolen.

Lastly, it allows you to monitor your credit score for FREE! Keeping the score in check is the first step towards maintaining a healthy credit report. It lets you see the mistakes you are making so you can figure out a way to amend them.

Reflex Mastercard Credit Card


Isn’t this the best part about the card? There are no specific requirements when it comes to It needs an average score, and sometimes, with a stable history, a poor credit score may also work.

Annual Fee

Typically, the card charges an annual fee of $99. It can be low depending on your creditworthiness. Besides the yearly fee, there are a few other charges involved that you should look at.

For example, you would need to pay $40 for late payment, up to $40 as a returned payment fee, and $30 additional cardholder fee. Furthermore, 3% foreign transaction charges are also applied.

Interest Rates

The purchase APR in the case of the Reflex credit card seems high. You will have to pay 25.99% to 29.9%, variable. There are also cash advance rates of 25.9% to 29.9%. This is also variable.


Unfortunately, there are no rewards available on this card. This is because the card is meant for credit rebuilding and has a poor credit score requirement. Most cards in this class do not offer bonus points or cashback.


Reflex cards would free you of the worry of fraud liability. You will not be answerable for the unauthorized purchases made via this case in case you have reported it missing or stolen.


Luckily, the card offers a fantastic credit limit of $500. Furthermore, this can easily be improved after responsibly using the card for just a couple of months.

Most customers report a credit line increase after 6 months, much less than other credit cards that require you to wait at least a year.

You also have the flexibility to download a Reflex credit card app to oversee the majority of the features that I have mentioned above. For example, you can clear yourreflexcard payments online, contact customer support service, look at your previous transactions, etc.

Applying For Reflex Mastercard

If you have made up your mind about getting a Reflex credit card, then there are two things that you can do. You can wait for a pre-approved mail offer to reach you, or you can contact the bank yourself and see if you pre-qualify for the card. Here, we will show you how to proceed in both cases. 

1. Responding to Pre-Approved Mail Offer

We don’t see any reason why you should hesitate to apply if you have received a pre-approved mail offer by YourReflexCard. This type of offer means that you already satisfy some criteria for becoming a cardholder, so your chances of approval are pretty high.

Note! When banks go through your credit report to send out mail offers, they carry out a soft inquiry that does not harm your credit score in any way!

The mail offer would make the application process accessible by letting you skip the part where you need to fill out a long form to apply.

Now you can quickly log in at and provide just a couple of numbers that would already be available on the mail letter that you got.

This would complete the application process!

Hopefully, you will hear a response from the bank within the first week of application. In case your request was not approved, you would be notified via mail along with the reason for rejection.

Attention! In case you don’t get a response from the bank within 14 working days, you can call and get in contact with their representative. Typically, this means that your information needed further processing before they could reach a decision.

2. Applying Without Mail Offer

In case you have yet to receive the offer in the mail, you can visit the official site and see if you pre-qualify for it.

This page would ask you to fill out a form with your full name, address, and contact details, such as Email ID or phone number, zip code, city, state, date of birth, and social security number. Sometimes, you might also be asked to disclose your monthly income.

Note! To get a Reflex card, you must have an active checking account. Therefore, remember to tick this box when completing the application.

Toward the end of the page, you will be asked to confirm that you are a legal resident in the US and above 18 years of age. Once you hit the submit button, the bank will inform you if the offer is available.

3. Contacting The Bank

Unfortunately, when contacting the Celtic Bank for a Reflex credit card, a P.O. Box will not work. You need to apply for it online. However, you can get the customer service for your yourreflexcard team for other purposes by posting the letter to the following address:

P.O. Box 3220 Buffalo, NY 14240-3220

You can also quickly contact their representative at the toll-free yourreflexcard phone number 1-866-513-4598. This number is helpful whether you want to get answers to your queries or apply for a new credit card.

Note! For more information, you can visit their official website at

Is It Safe?

Before you respond to the mail offer or apply for the card, you may need to do some online research and figure out if the credit card is safe to get. Since there are so many fees involved, many customers only feel safe doing business with this lender if they are entirely sure.

We are here to save you time! Instead of letting you do all the work yourself, we decided to review the safety of this card for you.

Luckily, Reflex Mastercard is entirely secure. You can apply for it without the worry of losing your personal information to an unknown third party.

Furthermore, the card is covered by $0 fraud liability. If the culprit makes transactions without authorization, you would not be held responsible or accountable if you have already reported a stolen card.

Who Can Apply For Reflex Credit Card?

  • You can apply even with a minimal credit history and less-than-perfect credit score.
  • Applicants must be at least 18 years old to use.
  • Applicants have to share a valid Social Security number to complete the process online.

Although there are no stringent eligibility criteria, you must thoroughly review the credit card terms and conditions before application and use.

Wrap Up

Undoubtedly, the fees are high when it comes to YourReflexCard. However, many of these can be avoided using the card smartly. For example, there is no need to worry about the penalty charged if you don’t make late payments. This would also save you from paying higher interest rates.

Besides the additional charges, the Reflex card is a treat for those with poor credit scores. This is because the card offers easy approval and quick online application. Since it reports to all three major credit bureaus, it is an option worth considering when you wish to repair the broken credit situation.

However, exploring other options is acceptable, such as the Destiny credit card or Milestone credit card, both of which offer pre-qualify applications with no impact on credit scores. It would help if you always aimed to find a card most suitable to your needs. If you think extra fees can become a problem, we suggest you look elsewhere!

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