Reflex Mastercard (issued by Celtic Bank)

The Reflex Mastercard is an unsecured credit card issued by Celtic Bank and serviced by Continental Finance, designed for consumers with poor or damaged credit who want a card without needing to provide a security deposit. The card is one of several products Continental Finance markets and services through its partnership with Celtic Bank, alongside the Surge Mastercard and others.

Because the Reflex Mastercard targets higher-risk borrowers, it carries costs that are significantly higher than cards available to consumers with good or excellent credit. Annual fees and elevated annual percentage rates apply. Monthly maintenance fees may also apply after the first year. Some accounts see fees charged at account opening that reduce the effective available credit below the stated credit limit.

Celtic Bank reports account activity to the major credit bureaus. On-time payments and keeping your balance low relative to your credit limit can contribute positively to your credit score over time.

Before applying, read the full cardholder agreement and all fee disclosures. Add up the total fees you would pay in year one and compare that against the credit limit offered to understand the true cost. Then compare this against secured card alternatives from credit unions and community banks. Secured cards require a cash deposit but typically carry lower fees than unsecured cards in this category, and the deposit is returned when you close the account in good standing.

If you do open a Reflex Mastercard, keep spending well below your limit, pay on time every month, and pay the full balance when possible to avoid accumulating interest at the elevated APR. Look to transition to a lower-cost card as soon as your credit profile allows.