Flexible rates and Fees – Unlike most unsecured credit cards, Reflex offers cardholders a variety of fees based on their creditworthiness and credit profile. This is actually a very good thing because those of you at the higher end of the “bad credit spectrum” will likely get a card with only an annual fee, an initial $1,000 credit limit, and possibly qualify for a limit increase credit. after 6 months, the lower end of your APR and possibly no exit transaction fees.


If you’re on the lower end of the “bad credit spectrum,” you might be offered a card at slightly higher rates rather than being declined simply because the issuer is taking a greater risk with you.

What Are The Portal  Benefits?

Up to $1,000 Initial Credit Limit: Most cards start with a $300 credit limit, regardless of your credit score or profile. As Reflex is flexible, some of you may receive an initial limit of up to $1,000. This is a very high limit for those of you with bad credit. With a higher limit, this card is worth using as an emergency card.

Credit Limit Doubles After 6 Months: If you pay your first 6 bills on time, Reflex doubles your credit limit. That means the starting limit goes from $300 to $1,000 to $600 to $2,000.

No Foreign Transaction Fees Are Possible: foreign transaction fees are between 0% and 3%. Therefore, you can get a card with no transaction fees abroad.

Flexible Pre-Approval: You must be pre-approved before applying for this reflex credit card. Pre-approval results in a soft request instead of a hard request. You know the conditions of the card you are offered (or may be declined).


Modern features like a mobile app, free credit scores, and more. The Reflex Mastercard card has features found on major credit cards. This is in contrast to many subprime mortgage issuers who are technologically behind.

Reports To The Top Three Credit Bureaus: Reflex Mastercard reports your payments to the three main credit bureaus (Experian, Equifax, and TransUnion).