Reflex MasterCard Apply | Reflex Card Payment Online

Reflex MasterCard is issued by Celtic Bank. It is a card, aimed at people with less than perfect credit. With Reflex MasterCard, once you make on-time minimum payments and maintain your balances under the credit limits, you just can build, rebuild or reestablish your credit.


Reflex MasterCard

Reflex MasterCard Benefits 

  • Accepts all credit types 
  • Reports monthly to the three major credit bureaus 
  • Admits initial credit limit of $500.00 (subject to available credit) 
  • Offers fast and easy application process, with results provided online. 
  • Use your Reflex MasterCard, at locations everywhere MasterCard® is accepted 
  • Enjoy Free online account access 24/7.

Reflex MasterCard Fees/Rates 

  • Annual Fee – $125 for the first year. Thereafter $96
  • Purchases APR Rate – 29.99% (Variable) 
  • Cash Advance Rate – 29.99% (Variable) 
  • Foreign Transaction Fee – 3%
  • Cash Advance Fee – $5 or 5% of the cash advance amount whichever is greater 
  • Interest Free Period – Up to 25 days 
  • Late Payment Fee – $38
  • Returned Payment Fee – $38
  • Additional Cardholder Fee – $0

How to Apply for Reflex MasterCard 

To apply for, and get approved for Reflex MasterCard, applicants must do the following;

  • Scroll to
  • Key in your First name, MI, Last name, Suffix, Home address, Address 2, City, State, Zip code, Email address, Primary phone, Phone type, Secondary phone, Phone type 
  • Time at residence (Years, and Months) 
  • Do you rent or own residence 
  • Do you have an active checking account,  “Yes” or “No”
  • Tick the box provided, to certify that you are a U.S. resident over the age of 18 (over the age of 19 in AL) 
  • Tap on the “Continue your application” link. 

How to Activate Card

To activate your newly acquired Card, call the customer service line indicated in your letter from a phone number, you listed on your initial application. 

How to Login Reflex MasterCard 

To gain access to your credit card account, 

  • Scroll to
  • Key in your username and password 
  • Tap on the “Submit” link, to gain access. 

How to Recover Username/Password 


  • On the login page, tap on the “Forgot username” link 
  • On the new page, enter your Account number 
  • Tap on the “Next” link, to proceed further in recovering your Username. 


  • On the login page, tap on the “Forgot Password” link 
  • On the new page, enter your Username 
  • Tap on the “Next” link to proceed further in recovering your password. 

How to Make Reflex MasterCard Bill Payment 

Make your bill payment, by setting up autopay, to save time, and make automatic payments via your online account or by phone. 

Reflex MasterCard Customer Service Number 

Call: 800 854 7848, (toll free), 801 363 6500, (Phone), to gain access to a customer care agent. 

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