Celtic Bank Credit Cards

Celtic Bank Credit Cards

We will discuss here the Celtic Bank credit cards where we would like to study now the Reflex Mastercard. It is issued by Celtic Bank and is designed for those who either do not have a great credit score or those who have not yet established credit.

You can apply if you have received an invitation in your mail, but it is not correct that only an invitation allows you to apply for the card.

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

Celtic Bank credit cards

How to apply for a Reflex MasterCard right now? This special MasterCard is issued by Celtic Bank and is tailored to people who have a bad credit history or no credit history at all and they intend to build credit history. It does come with hefty fees. However, if you use it right and consistently, and make your payments on time you can improve your credit score and apply for better credit cards in the future. Better credit cards because they will not impose you these high fees.

A lot of times you will receive an invitation in the mail for the credit card but you do not have to wait for one to apply. If you do have an invitation, to apply, go to and you do scroll down and click “Confirm Reservation”. For this, you have to enter your reservation number and your social security number.

If, on the other hand, you do not have an invitation, you click in the option “No Reservation”, you will have to enter your full name, your address, how long you have lived in your current residence. Furthermore, you will need to confirm that you are above 18 years old or 19 years old in Alabama.

After this, you will then click to continue the application process that is simple, just follow the few prompts.

Unfortunately, the Reflex MasterCard does not come with any cashback advantages or rewards because it is a credit card that is oriented to build your credit or construct your credit history.

You will receive an initial credit limit of $500 and the best part of the credit card is that the application process is fairly straightforward. You will receive a response very quickly online.

Some of the typical questions we get in the social networks about the card is if the Reflex Mastercard is a secured card or not. The answer is that it can be both depending on your credit history.

Therefore, you could be approved for the credit card without any deposit or they can ask for anywhere from fifty to five hundred dollars to gather the aforementioned initial limit of $500.

The APR is 29.9% (twenty-nine point nine percent) which is fairly high. Likewise, there is a fee in the first year of 120 dollars and 96 dollars (ninety-six) afterwards. The late fee is $38 and you will also need to pay $10 per month for maintenance.

Let me advance you that I do not recommend you this product because the APR is 29.9% while with other secured cards, such as the First Choice MasterCard Classic Secured, you should pay only an APR of 14.67%

If you want to add any additional users, there is also a one time fee of $30 (thirty dollars) so as we said before pretty hefty fees on this card.

In terms of reviews, we get mixed reviews from our readers on this card. because some people became customers simply for the opportunity to build or rebuild their credit history while others complain about online service and very high expense ratios on this Reflex MasterCard credit card.

If you require to rebuild your credit history or you have to start your credit history, you can utilize this card or any secured card for a bit maybe a year or two, to build up your credit as we indicated above.

Considering the poor online support service indicated by our readers, (for which they are paying a $10 monthly maintenance fee) you can be looking for another option that we have in our site. We have other secured cards that allow you to gradually rebuild or reestablish your credit history while enjoying reasonably good online support.

As with other secured cards, you can switch in the future to another product as soon as your credit history improves. We mean different credit cards that might be more suitable for you and more economical in terms of maintenance and interest. 

Frequent Asked Questions regarding the Celtic Bank Credit Cards

What Is the APR for a Reflex credit card?

The APR varies based on the prime rate and is around 29.99 %, so practically an APR 30%.

Is the Reflex credit card unsecured or secured?

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.

Is there an annual fee?

Yes, there is an annual fee of $120 for the first year and $96 annually after that. You will just have this card for a couple of years until you build or improve your credit.

Is there a late fee?

Yes, there is a late fee of up to $38 if your payment is received after the due date.

Are there also any other fees to consider?

Yes, you are also charged a $10 per month of maintenance fee and a $30 one time fee for any authorized users that you add.

Would you recommend Celtic bank credit cards?

No, because the APR is much higher than other secured credit cards available and high annual maintenance fees. Also, because there are many complaints about the online support. If you are paying $10 monthly for a maintenance fee, you can expect very good customer service and a more than adequate online support.

Further Reading

Related to this topic, there are some interesting reviews of credit cards that I would like to suggest you read. I have kept the list short: Mid America credit cards, DCU credit cards, Midfirst cards, First Choice credit cards, and the Relax Mastercard.

Furthermore, some pieces of advice: one related to a probable fraud identity, and the discussion about the possibility of having two or more credit cards from the same bank.

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