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Apply for Reflex Credit Card Easily and Quickly

  • Intro
  • Minimum Payment
  • Balance Transfer

The Reflex Mastercard is issued by Continental Finance and is designed for applicants who either don’t have great credit or who don’t have established credit. You can apply if you’ve received an invitation in the mail, but an invitation isn’t required to apply.

Your payment history with the card is reported to all three major credit bureaus, so if you make consistent, on-time payments, you may be able to improve your credit score.

Reflex Credit Card Rates & Fees

$125 for the first year, after that $96 annually
29.99% 3% of each transaction in U.S. dollars.

How to Apply for Reflex Credit Card Online With an Invitation

It’s easy to apply for Reflex credit card online.

  1. To get started, visit
  2. Scroll down the page and enter your reservation number and your Social Security number.

  3. Click “Confirm Reservation” and follow the prompts to finish your application.
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How to Apply for Reflex Credit Card Online Without an Invitation

If you don’t have an invitation, you’re still welcome to apply for Reflex credit card.

  1. On the same website, scroll down and click on the green button saying “No Reservation.”
  2. Enter your first and last name, your home address, your email address, and two phone numbers. Select how long you’ve lived at your residence and whether you rent or own your home.
  3. Click whether or not you have an active checking account. Check the box and certify whether you’re over age 18 (age 19 in Alabama).

  4. Click the green button saying “Continue your application” and follow the prompts to finish your Reflex credit card application.
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Reflex Credit Card Customer Service

You can get automated information about the Reflex credit card by calling 1-866-449-45-14. You can reach a representative at 1-866-449-45-14. Also, you can write them at:
Reflex Card
P.O. Box 3220
Buffalo, NY 14240-3220.

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Reflex Credit Card FAQs

Is the Reflex credit card unsecured?
The Reflex credit card can be unsecured or secured. Depending on your credit history, you may be approved for an unsecured card or a secured card with a $50 to $500 deposit. Your initial Credit Limit will be $500.

What is the APR for a Reflex credit card?
The APR varies based on the Prime Rate and may be around 29.99 percent.

Is there an annual fee?
There is an annual fee of $120 for the first year and $96 annually after that.

Is there a late fee?
There is a late fee of up to $38 if your payment is received after the due date.

Are there any other fees?
You are also charged a $10 per month maintenance fee and a $30 one-time fee for any authorized users that you add.

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Reflex Credit Card Reviews

The reviews for the Reflex credit card are mixed. Although some appreciate the opportunity to rebuild or establish their credit, the high fees and the high interest rate are a turn-off for some cardholders. There are also some complaints about customer service and using the online system. This might be a good option to get for a year or two before you apply for better cards.

APR for Purchases
User Rating: 3.62 (29 votes)

For Example:

Let’s assume the balance on your credit card is $5000, your card’s APR is 23%, and your minimum monthly payment in percentage is 100. Your first payment should be $100. Note that this number is expected to change over time.

To pay off your credit card balance in full, it will take you 2442 months. You’ll pay the overall interest of $99510.62. Your total payment will be $104510.62.

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By using this calculator you agree to terms and conditions. These calculators are designed to be informational and educational tools only, and when used alone, do not constitute investment or financial advice. We strongly recommend that you seek the advice of a financial services professional before making any type of investment or deciding on your financial matters. This model is provided as a rough approximation of future financial performance. The results presented by this calculator are hypothetical and may not reflect the actual growth of your own investments. We can't take into account potential lender fees, payoff schedule can be longer than in the estimation. Mycreditcards and its affiliates are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by these tools. Mycreditcards is not responsible for any human or mechanical errors or omissions.

Watch How Do Balance Transfers Credit Cards Work

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Reflex Mastercard® Credit Card 1st Year Annual fee $ Annual Percentage Rate (APR) Currently, a variable % - % APR on purchases. (These APRs do not apply to cash advances.)


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