How Does the Reflex Mastercard® Credit Card Work?

Posted on February 5, 2021 in Credit Cards

When you’re rebuilding your credit score, you need to find a credit card that works as hard as you do. You deserve a card like the Reflex Mastercard®, which offers an initial credit range of $300 to $1,000. This account is a long-term financial tool, providing a potential credit limit increase after six months. You’re also protected with a $0 fraud liability guarantee. Now that you know why the Reflex Mastercard® is a good credit card, read on to explore how it works.

Reflex Mastercard® Details

The Reflex credit card provides the wide acceptance you’ve come to expect from a Mastercard®. This account is accepted at most major retailers, both online and in-person, so you can use it for all your regular purchases. Account-holders are also protected by $0 fraud liability protection. You’re never responsible for unauthorized activity on your account, so you can feel secure using your card.

A Reflex Mastercard® account includes a variable APR of between 24.99% and 29.99% (variable). A similar variable APR applies to cash withdrawals. There is also a 5% or $5 surcharge added to cash withdrawals, so use this account feature carefully.

There are some fees associated with this account. If your application is approved, you’ll pay an annual fee of between $75 and $99 each year. 

There is also a monthly account fee of $10. This monthly charge is waived for your first year, so you won’t pay it immediately. Monthly charges are also waived for accounts with credit limits or $1,000 or above.

While this card does charge recurring account fees, there are no one-time fees. You won’t pay an application fee, card fee, new cardholder fee, or any other single fee.

Reflex Mastercard® Credit Card Benefits

The Reflex Mastercard® offers a fast and easy application process. Before submitting a full application, you can check your prequalification status to see if you’re likely to be accepted for an account. This prequalification is simple, free, and best of all, doesn’t require a hard credit check. You can find out if you’ll be accepted without an application showing on your credit score. There’s no risk to your credit score if you’re not approved!

Approved account holders can start using their new card quickly. Most cards are delivered within three business days by mail. You’ll need to activate your new card by phone when you receive it. If you don’t activate your card within thirty days, your account will be automatically closed.

The Reflex Mastercard® is also a great choice for rebuilding your credit if you have a bad credit score. This account reports to the three major credit bureaus every month, so your new activity will impact your credit score as quickly as possible. Think of your credit score as a living, evolving picture of your financial situation. When you make regular payments, your credit score will improve to reflect this positive activity.

After opening your account, you may be eligible for an increased line of credit after six months. Your total amount of credit is one factor in setting your credit score, so a larger line of credit helps improve your score. A higher score also lets you reduce the percentage of available credit you’re using, which is another point in determining your score.

Reflex Mastercard® accounts offer other tools to monitor your credit. The $0 fraud liability promise guarantees that you’re not responsible for unapproved activity on your account. 

You can also enjoy free credit score monitoring when you sign up for electronic statements. Monitoring your credit score is a great way to stay on top of your financial situation. You can watch your progress every month as you rebuild your credit.

Reflex Mastercard® Application

The Reflex Mastercard® credit card offers a simple and fast application process. You can apply online through their secure, 128-bit encrypted webpage, as well as over the phone or even through the mail. 

If you’ve been rejected for new credit accounts in the past and aren’t sure you’ll be approved for a new card, you can see if you prequalify for the Reflex Mastercard®. Prequalification is the first step towards opening an account. There’s no credit check required to learn whether you’ll be approved. 

The application asks for standard information, such as your name, address, and Social Security number. Remember to check the security of every website that asks for personal information such as your Social Security number. The credit card application is a safe, encrypted page, so your information is always safe.

A physical address and an existing debit or credit card are required to open a Reflex Mastercard®.

Reflex Mastercard® Login

Enjoy modern account features with Online Account Management for your Reflex Mastercard®. You can check your account balance, make payments, and more online. 

How do I pay my Reflex credit card?

You can pay your Reflex Mastercard® online through your Online Account Management page. Log in to your account to check your balance, make payments, and more.

How do I check the status of my Reflex credit card?

Find all the information about your Reflex Mastercard® in your Online Account Management portal. This secure webpage includes all the information about your account, including your status, balance, upcoming payment dates, and more. 

You can also check your account status on the go with the Reflex Mastercard® mobile app. Download this tool from the App Store or Google Play to monitor your account right from your smartphone.

Build & Monitor Credit

If you’ve struggled with credit in the past, the Reflex Mastercard® is a powerful way to start improving your financial situation. This card offers a risk-free application process, a path to increase your credit limit, and tools to monitor your evolving credit score. 

With responsible credit usage and account activity, you can rebuild your credit history with the Reflex Mastercard®.

Reflex Mastercard® Customer Service

Questions about your account? Whether you’re curious about policies, due dates, fees, digital tools, or anything else regarding your Reflex Mastercard®, friendly customer service representatives are ready to help you. Give Reflex Mastercard® customer service a call at 1-866-449-4514.

Apply for the Reflex Mastercard® Today!

Get started today with a straightforward and secure application for the Reflex Mastercard® credit card, and take advantage of one of the best unsecured credit cards!

Searching for more credit card ideas? Take a look at popular cards below:

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