How to Apply for the Reflex Mastercard


Navigating the world of credit cards can be challenging, especially for individuals with minimal or less than perfect credit history. The Reflex Mastercard is designed to cater to this specific audience, offering a chance to rebuild credit while enjoying the benefits of a credit card. In this article, we will guide you through the step-by-step process of applying for the Reflex Mastercard, from eligibility criteria to approval and wait times.


Reflex Credit Card Eligibility Criteria

The Reflex Mastercard is designed for individuals with minimal credit history or less than perfect credit. While there are no specific income requirements, applicants must be at least 18 years old and have a valid Social Security number. It’s essential to review the card’s terms and conditions to ensure you meet all the necessary criteria before applying.


Pre-Qualification Process

Before submitting a complete application, it’s a good idea to check your eligibility through the pre-qualification process. Visit or to access the pre-qualification form. This process won’t affect your credit score, allowing you to gauge your chances of approval without any negative impact. Simply fill out the required information, and you’ll receive an instant decision on your pre-qualification status.



Application Process

Once you’ve completed the pre-qualification process and determined that you’re eligible, it’s time to submit your application. Visit and click on the “Apply Now” button to access the online application platform. You’ll need to provide personal information, such as your name, address, Social Security number, and monthly income details. Be prepared to submit any required documentation to verify your identity and income.

*Note: If you already have a pre-approval code you can visit to enter your reservation number.


Approval Process and Wait Times

After submitting your application, you can expect a response within a few seconds to a few days, depending on the thoroughness of the review process and the information you have provided. If approved, you’ll receive your credit limit of up to $1,000 and card details. In some cases, additional information or documentation may be required, which could prolong the approval process. If approved you’ll need to wait 7-10 business days to receive your card it the mail and then you’ll need to activate your card and register for online access so that you can login to the online portal to manage your account.


Checking My Application Status

If you weren’t instantly approved for the Reflex Mastercard you can check your application status by calling 1 (866) 449-4514 and speaking with the customer service department. From there you can use the automated system to get the details regarding you application status. Your status will either be approved, denied or pending. If pending we suggest you follow the prompts to speak with a live agent and ask what is needed to get a final approval/denial decision for your application.




Applying for the Reflex Mastercard is a straightforward process, designed to help individuals with minimal or less than perfect credit history access a credit card and rebuild their credit. By following the steps outlined in this article, from pre-qualification to approval, you can confidently navigate the application process and take a step towards improving your financial future. Don’t let past credit challenges hold you back – consider the Reflex Mastercard as a tool to help you regain control of your credit

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