- Up To $1,000 Initial Credit Limit
- Apply with confidence! There is no impact to your credit score if you're not approved. If your application is not approved, a hard inquiry will not appear on your credit report, which means your credit score will not be impacted.
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- With responsible card use, you may be able to rebuild or improve your credit
- Unsecured credit card that requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
Reflex® Platinum Mastercard®
Celtic Bank is an Experian Partner

Reflex® Platinum Mastercard®
Recommended FICO® ScoreΘ
Poor - Good, Rebuilding
Annual Fee: | $75 - $125 |
|---|---|
Intro APR: | N/A* |
Ongoing APR: | 35.90% Fixed |
Ongoing Balance Transfer APR: | N/A* |
How to find the best credit card for you
With Experian, you can compare personalized credit card offers matched to your credit profile from partners like Celtic Bank and more.
See your card matchesChecking your matched credit cards will NOT hurt your credit scores.
See why you should get your next credit card through Experian
Look for these features when comparing credit cards
Pre-approval
Check to see if you have pre-approved credit card offers. Most Experian members who visit our marketplace do.

No Ding Decline™
Worried about your credit when applying for a new card? Cards labeled ‘No Ding Decline’ won't hurt your credit scores if you are not approved.⊛









