The Reflex Platinum

When you’re ready to take control of your financial future, the Reflex Platinum Mastercard offers a legitimate opportunity to access revolving credit.

Credit Card

Reflex Credit Card

Credit Monthly Reporting to Credit Bureaus

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The Reflex Platinum Mastercard could be your golden ticket! Designed specifically for individuals with less-than-perfect credit, this card offers the rare chance to access an unsecured line of credit—no security deposit required.

With the added bonus of credit bureau reporting and even the potential to earn a higher limit over time, the Reflex Platinum puts you back in the driver’s seat of your financial journey. Whether you’re aiming to boost your credit score or need a second chance, this card is built to help you take control and move forward.

A Gateway to Rebuilding Credit

Empowering Cardholder Benefits

• Access to an Unsecured Line of Credit: Cardholders are granted a revolving, unsecured credit line ranging from $300 to $1,000 at account opening. This allows you to begin rebuilding your credit immediately—without tying up funds in a deposit.
• Credit Reporting That Works in Your Favor: Your account activity is reported to all three major credit bureaus—TransUnion, Experian, and Equifax—giving you the opportunity to establish or improve your credit with on-time payments.
• Risk-Free Pre-Qualification: Before you formally apply, you can check if you pre-qualify with no impact to your credit score. This helps you explore your options without the stress of a hard inquiry.
• Path to a Higher Credit Limit: Make consistent, on-time payments and you may be eligible for a credit limit increase after six months. This can improve your credit utilization ratio—another key factor in credit scoring.

Important Financial Responsibilities

• Annual Fee Applied Upfront: An annual fee is charged at account opening and deducted from your initial credit line. While this reduces your available credit at first, it’s part of the cost of gaining access to an unsecured account.
• Monthly Maintenance Fee (After Year One): After your first 12 months, a monthly servicing fee may apply. This is standard in many credit-building products and is disclosed clearly in the agreement.

Who Should Consider This Offer?

The Reflex Platinum Mastercard is best suited for individuals who have limited credit options and need a stepping stone toward stronger financial footing. If you’ve faced denials from secured card issuers or lack the funds for a deposit, Reflex provides a clear alternative. But it’s critical to approach this card with strategic intent—paying your balance in full each month and avoiding interest charges (which can reach up to 35.90% APR).