The Reflex® Platinum Mastercard® Card is primarily a credit building tool designed to help people build a solid and healthy credit score. Issued by Celtic Bank and managed by Continental Finance, it is a fairly easy card to get. Albeit an expensive one. 

With the Reflex® Platinum, you’ll have access to an initial credit line between $300 and $1,000. You can double after 6 on-time payments of at least the minimum amount.

The Mastercard® brand makes this card a worldwide product (with a 3% foreign fee). 

To add this card to your wallet, you’ll have to pay between $75 and $125 annually depending on your creditworthiness.

During your second year as a member, that annual fee is joined by a monthly fee up to $10. People with limits between $750 and $1,000 have the fee waived.

Continental Finance reports all your monthly payments to the three main credit bureaus in the U.S. You’ll also have free access to your Vantage 3.0 score from Experian to keep track of your credit building progress. 

You may be able to get the Reflex® Platinum Mastercard® Card with a bad score and a limited credit history. Continental Finance offers pre-qualification with a soft credit pull and instant approval as well.

So if you’re ready to take a step further into your credit building journey, the Reflex® Platinum Mastercard® Card can be a powerful ally. Check below to learn all the ways you can apply for it today!

You can easily apply for the Reflex® Platinum Mastercard® Card online using Reflex’s official website and get an instant decision to your request. To do so, head over to their webpage and click on the “apply now” green button.

Next, you’ll have to fill out the pre-qualification form. Tell Continental Finance about yourself and your finances, and provide them with your contact details.

Once you do so, check all necessary boxes and click on “see my card offers”.

Continental Finance will then review your application and respond with a series of offers that are available to you, including – but not limited to – the Reflex® Platinum Mastercard® Card.

If you agree to their terms, you may submit a formal application. 

The issuer might respond to your request instantly, but there are times when they need to gather additional information about you.

In those cases, it might take up to 30 days for them to get back with an answer about your application. 

If you do get instant approval, you can expect your physical Reflex® Platinum to arrive at your address within 3 business days.

You can then activate the card online at Reflex’s website and start using it for whatever purpose you may have. 

Continental Finance offers a great mobile app to help you manage your Reflex® Platinum Mastercard® Card. However, you can only apply for the card online or by calling 1-866-513-4598. 

Once you receive and activate the card, you can download the app and use it to make payments, enroll on e-statements, view past transactions, and much more!

Sometimes, a secured credit card may be even more beneficial towards credit building than an unsecured alternative.

If you’d like to learn about a great secured option that offers rewards and has no annual fee, we recommend the Discover It® Secured Credit Card. 

In the following link, we’ll take a closer look at everything that the Discover It® Secured Credit Card has to offer. Read on to understand how this card can help you achieve your financial goals and dream credit score!