Reflex^® Platinum Mastercard^®: Full Review [2025]

Great Card If

• You need to build or reestablish credit history.
• You want an unsecured card with no security deposit.
• You’re willing to pay an annual fee.

Don’t Get If

• You want to avoid fees.
• You plan to carry a balance.
• You want to earn rewards.

Reflex Platinum Mastercard: Is It Worth It?

The Reflex Platinum Mastercard is designed for individuals rebuilding their credit and may not qualify for traditional unsecured credit cards. It starts with a credit limit between $300 to $1,000, which may be increased after on-time payments. Account activity is reported to all 3 credit bureaus (Equifax, Experian, and TransUnion), which can help you build a positive payment history with on-time payments.

There’s no security deposit required to open an account, but there are hefty costs. You pay a $125 annual fee. After the first year, there’s a $150 maintenance fee (billed at $12.50 per month). The card also has a high APR, so interest charges can be significant if you carry a balance or take a cash advance.

Reflex Platinum Mastercard Top Benefits and Perks

Prequalification With a Soft Credit Check

If you’re unsure whether you’ll be approved for the card, you can prequalify online using a soft credit check that won’t impact your credit score. If you’re prequalified, you can then submit a full application with a hard credit check. You can avoid an unnecessary hard credit check if you’re not prequalified.

Initial Credit Limit up to $1,000

If you’re approved, you get a starting credit limit between $300 and $1,000, although the annual fee reduces your credit limit upfront.

Credit Reporting

The Reflex Platinum Mastercard reports account activity to all 3 major credit bureaus, allowing you to build a positive payment history on your credit report with on-time payments.

Alternative Cards to the Reflex Platinum Mastercard

Capital One Platinum Secured Credit Card

Although it requires a refundable security deposit of $49 to $200, the Capital One Platinum Secured card* has a $0 annual fee and reports to all 3 major credit bureaus. You may be considered for a higher credit limit after 6 months of on-time payments with no additional deposit. You can upgrade to the unsecured Capital One Platinum Credit Card*×Information collected independently. Not reviewed by Capital One. with a refund on your security deposit.

Credit One Bank^® Platinum Visa^® for Rebuilding Credit

An unsecured card, the Credit One Platinum Rebuilding card earns 1% cash-back on eligible purchases and offers opportunities for credit line increases. You can get free access to your credit score, set up alerts, and choose a payment due date. It has a $75 annual fee in the first year, then $99 (billed at $8.25 per month).