Continental Finance (issued by Celtic Bank)

Reflex Mastercard Review 2026

Name: Reflex Mastercard
Brand: Continental Finance (issued by Celtic Bank)
Rating: 3.8 (1 reviews)

No-deposit unsecured card issued by Celtic Bank with a per-applicant starting limit.

Quick answer

Reflex Mastercard is an unsecured (no-deposit) card for less-than-perfect credit issued by Celtic Bank through Continental Finance, with a starting credit limit that varies by applicant.

Fair / limited credit — Unsecured card designed for building or rebuilding credit

Find your card type — 60-second quiz→

Who Reflex Mastercard is best for

Applicants with less-than-perfect credit who want fast approval and mailing on an unsecured card.

At a glance

Security deposit: None — unsecured
Issuing bank: Celtic Bank
Initial credit limit: Varies by applicant
Card mailing: Within 3 business days of approval

Pros

+No security deposit required
+Accepts applicants with less-than-perfect credit
+Fast decision — typically instant — plus 3-business-day mailing after approval

Cons

−Credit limit isn't a fixed published figure — varies by applicant
−APR is not published on the marketing page — check the Cardholder Agreement
−No rewards program

Reflex Mastercard requirements

Documents needed:Full legal name, Social Security number, date of birth, physical address (reflexcardinfo.com, Aug 2026)

Decision timeline:Most decisions are instant; some take up to 30 days. Approved cards mail within 3 business days (reflexcardinfo.com, Aug 2026)

US residents 18+ with a physical address (no P.O. boxes)
Accepts less-than-perfect credit

Reflex Mastercard alternatives

Top alternatives worth comparing from Unsecured Credit Cards for Bad Credit: Fit vs. Reflex Mastercard (2026).

Continental Finance (issued by The Bank of Missouri)

Fit Mastercard

Choose Fit if you want the same no-deposit structure with a clearly stated $400 starting limit through The Bank of Missouri

Find your card type — 60-second quiz→ Read review →

Not sure which card fits?

Answer 3 quick questions and get matched to the right card type for your spending profile.

Find your card type — 60-second quiz→

The full lineup

See all picks in Unsecured Credit Cards for Bad Credit: Fit vs. Reflex Mastercard (2026)

Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.

Read the full guide →

Bottom line

Reflex Mastercard scores 3.8 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Applicants with less-than-perfect credit who want fast approval and mailing on an unsecured card.

◆ How we scored it

The ClearValue Rating, broken down.

Cost: 35%
Fit & approval odds: 30%
Speed & terms: 20%
Transparency: 15%

Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →

Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.

https://clearvaluelending.com/reviews/reflex-mastercard-continental