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MASTERCARD

Mastercard Standard

Reflex Mastercard

$99

Annual Fee

At a Glance

Annual Fee

$99

Authorized User Fee

Foreign Transaction Fee

Network

Mastercard Standard

Credit Required

Poor

Benefits & Perks

Insurance & Protections

Combined Protection Value

$100

Credit 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

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
+No monthly maintenance fee after first year
+No authorized user fee

Cons

-High annual fee ($99)
-Very high APR (29.99%)
-No rewards or cash back program
-Low initial credit limit (typically starts at $300)

Details & Terms

Payment Terms

Purchase APR	29.99% (Variable)
Cash Advance APR	29.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

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Browse all card categories →Browse all card benefits →Browse all credit cards →

MASTERCARD

Mastercard Standard

Reflex Mastercard

$99

Annual Fee

At a Glance

Annual Fee

$99

Authorized User Fee

Foreign Transaction Fee

Network

Mastercard Standard

Credit Required

Poor

Benefits & Perks

Insurance & Protections

Combined Protection Value

$100

Credit 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

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
+No monthly maintenance fee after first year
+No authorized user fee

Cons

-High annual fee ($99)
-Very high APR (29.99%)
-No rewards or cash back program
-Low initial credit limit (typically starts at $300)

Details & Terms

Payment Terms

Purchase APR	29.99% (Variable)
Cash Advance APR	29.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

Explore More

Browse all card categories →Browse all card benefits →Browse all credit cards →

MASTERCARD

Mastercard Standard

Reflex Mastercard

$99

Annual Fee

At a Glance

Annual Fee

$99

Authorized User Fee

Foreign Transaction Fee

Network

Mastercard Standard

Credit Required

Poor

Benefits & Perks

Insurance & Protections

Combined Protection Value

$100

Credit 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

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
+No monthly maintenance fee after first year
+No authorized user fee

Cons

-High annual fee ($99)
-Very high APR (29.99%)
-No rewards or cash back program
-Low initial credit limit (typically starts at $300)

Details & Terms

Payment Terms

Purchase APR	29.99% (Variable)
Cash Advance APR	29.99% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source
—	—	View source

Explore More

Browse all card categories →Browse all card benefits →Browse all credit cards →

Zero Liability on unauthorized transactions

You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Show all 6 protections

24/7 lost/stolen card assistance worldwide

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

$100/claim purchase protection (45 days)

$100

Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.

3% foreign transaction fee

-High late payment and cash advance fees

-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 (29.99% APR)
✗International travelers (3% foreign transaction fee)
✗Those seeking a long-term everyday card

Zero Liability on unauthorized transactions

You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Show all 6 protections

24/7 lost/stolen card assistance worldwide

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

$100/claim purchase protection (45 days)

$100

Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.

3% foreign transaction fee

-High late payment and cash advance fees

-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 (29.99% APR)
✗International travelers (3% foreign transaction fee)
✗Those seeking a long-term everyday card

Zero Liability on unauthorized transactions

You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.

Credit file monitoring and fraud alerts

Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.

Show all 6 protections

24/7 lost/stolen card assistance worldwide

Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.

$100/claim purchase protection (45 days)

$100

Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.

3% foreign transaction fee

-High late payment and cash advance fees

-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 (29.99% APR)
✗International travelers (3% foreign transaction fee)
✗Those seeking a long-term everyday card