Need a way to rebuild or establish credit, but don’t want to lock up money with a secured card? The Reflex Platinum Mastercard offers an unsecured option—no security deposit required—so you can start shaping a better credit profile right away. With consistent bureau reporting, fraud protection, and potential credit limit increases, this card is ideal for those starting fresh.
🎁 No Rewards — Fully Focused on Credit Progress
- This card offers no cash back, points, or perks—because it’s designed to help you build credit, not earn rewards.
- That focus helps keep things simple: make timely payments, lower utilization, and watch your credit score improve.
💸 Understand the High Costs & Risks
Reflex Platinum carries steep fees and high interest—typical for subprime, unsecured cards:
- Annual fee: $75–$125, depending on credit profile
- Monthly maintenance fee (starting year two): Up to $12.50/month, adding $150/year extra
- Fixed APR: 35.90%—significantly higher than average credit card rates
- Foreign transaction fee: 3% on purchases made outside the U.S.
These costs can add up fast, making it crucial to pay your balance in full and consider moving on as soon as better options become available.
📊 Tools That Support Your Credit Journey
Despite its cost, Reflex offers key features aimed at credit-building:
- Initial credit line between $300–$1,000; may double after six months of on-time payments
- Monthly reporting to Equifax, Experian, and TransUnion, building a positive credit record when used responsibly
- Prequalification available with a soft credit check, so you can check eligibility risk‑free
- Free access to your VantageScore 3.0 via Experian with e‑statements
- Zero Liability fraud protection ensures you’re not responsible for unauthorized charges
📱 Basic Digital Convenience
- Manage your account online or via mobile app to view statements, set alerts, and make payments.
- Features EMV chip technology for secure in-person transactions.
- MasterCard’s Zero Liability protection helps safeguard against fraud.
🔐 Security You Can Count On
- Zero Liability Protection means you won’t be held responsible for fraudulent charges .
- Recurring fraud monitoring with alerts ensures you stay ahead of suspicious activity.
- Emergency card replacement is available should your card be lost or stolen.
📄 Clear Terms Summary
| Term | Detail |
| Initial Credit Limit | $300–$1,000 |
| Credit Limit Increase Option | Possible after six on-time payments |
| Double Credit Limit Feature | May double up to $2,000 after six months of on-time payments |
| Annual Fee | $75–$125 |
| Monthly Fee (from Year 2) | Up to $12.50/month |
| APR | 35.90% fixed |
| Rewards | None |
| Foreign Transaction Fee | 3% |
| Prequalification | Yes (soft credit check) |
| Reporting to Credit Bureaus | Yes — monthly |
| Best For | Users needing unsecured card to rebuild credit quickly |
| Warning | High cost makes it best as a short-term tool only |
✅ Who Should Apply?
Consider Reflex Platinum only if:
- You have limited or bad credit and need unsecured access.
- You need credit building without a deposit, and lack alternatives.
- You plan to use the card only for small transactions, always pay it off monthly, and upgrade soon to a lower‑cost card.
Avoid it if cheaper secured or unsecured credit-builder cards (like Discover or First Progress) are available to you—they usually carry lower fees and APRs with comparable reporting features .
🚀 Ready to Rebuild? Use It Wisely
If you choose the Reflex Platinum Mastercard, use it strategically:
- Prequalify to check approval odds with no credit impact.
- Apply only if necessary—not as a long-term card.
- Make small purchases and pay the balance in full every month.
- After ~6 months of responsible use, apply for an upgrade or better card, and close Reflex when more cost-effective credit becomes available.
Use it to build, not to carry debt. With discipline, Reflex can be a stepping stone to stronger credit—but only if you handle it with care.
