Reflex Mastercard
Credit Card Review
Card Specifications
- Annual Fee
- $75 - $95 (first year)
- APR Range
- 19.75% - 24.75% variable
- Recommended Credit Score
- Fair to Bad Credit
Editorial Review
The Reflex Mastercard by Continental Finance targets individuals with damaged or limited credit histories. The card offers pre-qualification screening to check eligibility before applying. While the APR is somewhat lower than other subprime unsecured cards, the fee structure is complex: an annual fee charged to your account upon approval, plus a monthly maintenance fee beginning in the second year. Credit limits typically start low (often $300-$400) with much of that consumed by the annual fee. The card does report to all three major bureaus, so responsible use can contribute to credit score improvement. However, users should carefully weigh the costs against alternatives like secured cards with no annual fees.
Pros
- •Reports to all three credit bureaus
- •Lower APR than some subprime cards
- •Pre-qualification available
Cons
- •Significant annual fee
- •Low initial credit limits
- •Monthly maintenance fee after first year
Money Matters Verdict
Reflex Mastercard can help rebuild credit but comes with substantial fees. It's best suited for those with very limited options who can commit to responsible use and timely payments.
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