Reflex® Platinum Mastercard®

Celtic Bank is an Experian Partner

Reflex® Platinum Mastercard® logo.

Reflex® Platinum Mastercard®

Recommended FICO® ScoreΘ

Poor - Good, Rebuilding

Annual Fee:

$75 - $125

Intro APR:

N/A*

Ongoing APR:

35.90% Fixed

Ongoing Balance Transfer APR:

N/A*

  • Up To $1,000 Initial Credit Limit
  • Apply with confidence! There is no impact to your credit score if you're not approved. If your application is not approved, a hard inquiry will not appear on your credit report, which means your credit score will not be impacted.
  • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
  • With responsible card use, you may be able to rebuild or improve your credit
  • Unsecured credit card that requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
  • Applicants can be approved even with a poor or fair credit score

  • Reports payment history to all three credit bureaus

  • $0 fraud liability

  • High annual fee

  • After the first year, the card issuer may charge an additional monthly fee

  • High APR

See all Celtic Bank‘s offers

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