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How To Find Reflex Credit Card Login

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Reflex MasterCard

The Reflex Card is for people who have less than perfect credit or what is considered bad credit. It can be utilized as a stepping stone to rebuild your credit and give access to other cards with higher limits. If you have had prior repossessions, foreclosures or filed for bankruptcy, the Reflex Credit Card may be exactly what you need. You can find your Reflex Login information by visiting or apply for a new card above.

What is Reflex Credit Card Limit?

The limit ranges in this order $300, $500, $750 and $1,000. Your score and report will determine the amount you qualify for. Please be sure on your application to double check your information. Also, add all of your income as this can help the approval process.

What Bank Owns This Card?

Celtic Bank funds the Reflex Credit Card. The company is based out of Utah and has a close relationship with MasterCard as it's processor. Celtic Bank has been in business since 2001 and has helped hundreds of thousands rebuild their credit score with their card services.

What score is needed to apply?

The Reflex Credit Card accept scores as low as 300 and as high as 719. If you do not currently have a score, you are still encourage to apply. Sometimes having a higher income can help with approval.

Does Reflex Offer Limit Increases?

Yes, you can receive a limit increase. Making on time payments make you eligible within 6 -12 months for an increase. You can also call and ask for a higher credit limit if you haven't been offered one.

What Are The Benefits?

One of the major benefits of the Reflex Card is that it is unsecured. This allows you to get approved without a security deposit. See more benefits below:

1. See if you’re Pre-Qualified with no impact to your credit score.
All credit types welcome to apply.
2. Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements).
3. Initial Credit Limit of $300 – $1,000* (subject to available credit).
4. Monthly reporting to the three major credit bureaus.
5. Fast and easy application process; results in seconds.
6. Use your card at locations everywhere Mastercard® is accepted
Checking Account Required.

What Are The Annual Fees?

The annual fee is $75-$99. There may be other fees associated if you miss payments or go over credit limit.

Is the Apr High?

This card is for people with bad credit so the APR is higher than other cards. APR is the amount you pay to borrow money. Reflex Card is 24.90%.

What Bureau Does Reflex Use?

It uses all 3 credit bureaus Equifax, Transunion and Experian. With all scores being different, all your history is taken into consideration when making a decision. Do not be discouraged if some of your scores are lower on a certain bureau.

Is There A Late Payment Fee?

Yes, the late payment fee is $27.00.

How Do I Make Payment?

There are a number of ways to make your Reflex Credit Card payment. See Below:
1. Login online by visiting
2. Use the CFC mobile app IOS or Android.
3. Calling at 800-518-6142.
4. Mailing a payment to Reflex Card, PO Box 6812, Carol Stream, IL 60197-6812.

Can I Have An Additional Card?

Yes, there is one-time fee of $30 for an extra card.

Can I Use To Pump Gas?

You can use your Reflex Card as a regular MasterCard, so yes.

Does It Offer Cash Back Rewards?

No, not at this current time. However, making your payments on time can give you access to other cards that offer cash back and rewards.

Can I Get Cash Off My Card?

Yes, you can use any ATM to withdraw cash off your Reflex Credit Card. Please be aware that there may be cash advance fees associated with your transaction.

Can I Cancel My Reflex Card?

Yes, but make sure your balance is paid in full. Canceling with an unpaid balance can result in a charge-off. A Charged off credit card will hurt your score.

How Long To Get My Card?

You should receive your card within 14 business days or sooner.

When Do Payments Process?

Online payments will post within 1 -3 business days.

What Is The Minimum Payment?

Your minimum payment is 2% of the balance plus any fees or accrued interest.

In Conclusion

The Reflex Credit Card is a great way to rebuild your score with higher limits than other comparable cards. You get access to your credit score with e-statements monthly. Use this card as a stepping stone to better credit. Reviews on Reflex Credit Card are based on individual experiences of those who have applied.

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