- Application process
The application process for getting a Reflex Mastercard is quick and simple. 
However, the applications require a credit check, which can lower points in your credit score. Luckily, Reflex Mastercard allows you to check whether you will qualify by providing the necessary information before you apply.
Then, if you want to process and apply, you need to fill an online request form or call the phone number provided. To apply, you ought to provide information such as name, address, phone number, email, date of birth, income, SSN, and income and employment details.
When you get accepted, you will be able to get the card in just three days, but you have to activate the card over the telephone so that you can start using it.
- Credit limit, fees, and APR
If you are using Reflex Mastercard for the first time, the initial credit limit is between $300 and $1,000. However, if you manage to pay your monthly balances on time, you can potentially increase it to $2,000 after six months.
Reflex Mastercard requires an annual fee of $75-$99 for maintenance, and after several months of usage, you will also get a monthly maintenance fee of up to $10.
Even though this credit card is targeted towards people with less than ideal credit scores, there are specific fees that you need to pay to be able to use it
Moreover, there is a foreign transaction fee of 3% as well as $30 if you have an additional card. Additionally, Reflex Mastercard might charge you a return payment fee of up to $40 as well as a late payment fee in the same amount.
For a cash advance, the fee costs $5, and you might also receive a limit increase fee. The APR for this credit card ranges between % and %, which is much less than many other credit cards on the market.
- Additional features
By regularly paying the monthly balance on time, you will be able to increase your credit score rating in just a couple of months, which is convenient for many people. In addition, cardholders can access free monthly credit score checks to keep track of their progress.
You can also turn to online banking to receive your statement, check your account balance, pay bills, view transactions, etc. There is also a mobile app that you can easily download, and it is compatible with both iOS and Android operating systems.
- Applicants can check whether they qualify before applying
- Those with bad credit can still apply
- Reports to major three major credit bureaus
- Uses encryption technology for data security and protection
- The card comes with plenty of fees
Customer experience
According to the feedback from many customers, this credit card is one of the best credit cards for bad credit on the market. The cardholders are satisfied that the company accepts people even with bad credit scores, and they like the terms they offer. Other users appreciate the company’s transparency about the credit card they offer, and they like that they take security measures to ensure data security for all of their clients.
Choosing the right credit card when in need of funds and with a bad credit score is very challenging. In this article, you were able to view some of our best choices for credit cards suitable for people with less than positive credit history. With that being said, the decision you make should be based on several vital factors, so let’s have a look at some of the most important ones.