Credit Cards
Reflex Mastercard® Card application
Applying for the Reflex Mastercard® Card is easy and can help you rebuild your credit rating. Learn all you need to know about it here, including eligibility requirements.
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by Aline Barbosa
Reflex Mastercard® Card: Get your credit score back on track!

If you’re one of the millions of people who have a bad credit history, you may feel like you’re out of options when it comes to getting a credit card. But that’s not the case! The Reflex Mastercard® Card is designed specifically for those with bad credit, and it can help you rebuild your credit history so you can qualify for better cards in the future.
The card offers an initial spending limit between $300 and $1,000 based on your credit history and payment abilities.
The annual fee is also based on creditworthiness and ranges between $75 and $99 during the first year of card usage. Every year after that, the fee is a fixed $99 with an added $10 monthly maintenance fee. Clients with a credit limit above $750 have the monthly fee waived from their accounts.
Issued by Celtic Bank, the Reflex offers cardholders the possibility of doubling their limit after 6 months of responsible use and on time minimum payments.
It reports the account history to the main credit bureaus in the U.S. That means that if you want to build or rebuild your credit score, this product can help you along the way. So keep reading to learn more about the application process.
Learn how to apply online

The online application process for the Reflex Mastercard® Card is as easy as it gets. First you need to access the card’s official website. Then, click the “apply now” button on the home page.
To get the card, the bank requires some basic information first like your full name, date of birth, contact info and social security number.
By providing them with all the necessary info, the bank can assess your profile and make the best offer available to you.
In most cases, Celtic Bank is able to make an instant decision about the application. However, sometimes it takes a few business days and more information before they can approve a request.
After approval, it takes about 3 business days for the credit card to arrive at your address. Once you get the card, you’ll need to activate it either over the phone or at their website.
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Learn how to apply using the app
Once your account is open and you have received your card in the mail, you can manage your expenses for free through the bank’s mobile app.
Their online bank services allow all Reflex’s users to make credit card payments, view recent transactions, payment history and previous statements.
However, all new applications must be via their website or through the phone, at 1-866-513-4598.
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What about another recommendation: Milestone® Mastercard® Credit Card
If you feel like the Reflex Mastercard® Card is not what you’ve been looking for, we have another recommendation.
The Milestone® Mastercard® Credit Card is also an unsecured credit card that works as a credit builder. Read below to learn about its main features and follow the link under it for more information about how to apply.
- Sign-up bonus: The card offers no welcome bonus.
- Annual fee: $35 – $75 during the first year, $99 after that.
- Rewards: Zero rewards on purchases or payments.
- Other perks: Reports payments to credit bureaus.
- APR: 24.9%.

How to get the Milestone® Mastercard® Card?
Learn everything about the application process for the Milestone® Mastercard® Card and get your finances back on track today!
Aline Barbosa
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