MASTERCARDMastercard Standard
Reflex Mastercard
- Annual Fee
- $75 or $125/yr by version (set at approval)
At a Glance
- Annual Fee
- $75 or $125/yr by version (set at approval)
- Authorized User Fee
- $30
- Foreign Transaction Fee
- 3%
- Network
- Mastercard Standard
- Credit Required
- Poor
Earning Rates
- 0X
All Other
This card does not earn rewards - designed for credit building.
Benefits & Perks
Insurance & Protections
4 protectionsCredit reporting all 3 bureaus
Build credit with reporting to Equifax, Experian, and TransUnion—every responsible payment helps repair and build your credit
$0 fraud liability—protected everywhere
Complete fraud protection—you never pay for fraudulent charges on your Reflex card
Zero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Reviews & Analysis
Pros and Cons
Pros
- +Available to consumers with bad credit or no credit history
- +No security deposit required (unsecured card)
- +Reports to all three major credit bureaus (Equifax, Experian, TransUnion)
- +No minimum credit score requirement
- +Automatic credit limit increase consideration with responsible use
Cons
- -High annual fee ($75 to $125 a year depending on the initial credit limit)
- -Monthly maintenance fee ($10 to $12.50) after the first year
- -Very high APR (35.9%)
- -No rewards or cash back program
- -Low initial credit limit (typically starts at $300)
- -3% foreign transaction fee
- -High late payment fee (up to $41) and a $30 additional card fee
- -Not eligible for product change to better cards
Who It's Best For
Best For
- Consumers with bad credit or no credit history
- People who cannot qualify for other unsecured cards
- Those who need reporting to all three credit bureaus
- Individuals seeking automatic credit limit increase reviews
Not Ideal For
- Anyone who qualifies for lower-fee credit building alternatives
- Consumers who want rewards or cash back (no rewards)
- People who may carry a balance (35.9% APR)
- International travelers (3% foreign transaction fee)
- Those seeking a long-term everyday card
Details & Terms
Payment Terms
| Purchase APR | 35.9% (Variable) |
| Cash Advance APR | 35.9% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $30 |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Reflex Official | — | Reflex Official |
| Reflex Official | — | Reflex Official |
| RewardsCC API | — | RewardsCC API |
| Reflex Official | Reflex Official |