Reflex® Platinum Mastercard®

Celtic Bank is an Experian Partner

Reflex® Platinum Mastercard® logo.

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*

  • 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)
  • Applicants can be approved even with a poor or fair credit score

  • Reports payment history to all three credit bureaus

  • $0 fraud liability

  • High annual fee

  • After the first year, the card issuer may charge an additional monthly fee

  • High APR

See all Celtic Bank offers

Get credit card offers based on your credit profile

How to find the best credit card for you

Sign up or sign in to see your personalized credit card offers. Experian matches you with offers from our trusted partners, based on your credit profile.

Graphic get started sign into account.

Review card features, like rewards or low intro APRs. With Experian, you can compare multiple card offers in one place to find the right one for you.

Graphic cards choose cash back.

Click to apply for your selected card within the Experian app. Cards labeled 'No Ding Decline' won't hurt your credit scores if you are not approved.

Graphic credit card submit application screen.

With Experian, you can compare personalized credit card offers matched to your credit profile from partners like Celtic Bank and more.

See your card matches

Checking 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.

Graphic apply pre-approved.

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.

Graphic choose no ding card screen.
See your card matches

Learn more about credit cards

How to Compare Credit Card Interest Rates

5 min • Aug 11, 2026

Credit Card Basics

How to Earn Travel Rewards

5 min • Aug 11, 2026

Rewards Credit Cards

How to Avoid Balance Transfer Fees on Your Credit Card

5 min • Aug 6, 2026

Balance Transfers

How to Cancel a Chargeback

3 min • Aug 11, 2026

Credit Card Basics

The Simple Guide to Using Credit Cards

7 min • Aug 7, 2026

Credit Cards