Recommended Credit: Fair/Poor/Bad/Limited
Annual Fee: See Terms
Why We Like It: This is a relatively high annual fee credit card with limited benefits, even for those with bad credit. The card caters to those with limited or bad credit. It reports to the three major credit bureaus.
Naam Wynn's Take
The Reflex® Platinum Mastercard® offers a starting credit limit of $300 to $1,000, potentially doubling to $2,000 with timely payments for the first six months. It features a simple application process, no impact on credit score for pre-qualification, and reports monthly to major credit bureaus. This card is accepted everywhere Mastercard® is used, requires a checking account, and has no monthly fees for the first year, followed by a $10 monthly fee from the second year, waived for higher credit limits.