Apply For A Credit Card
Updated: May 12, 2020
Getting a credit card with damaged credit or no credit is now possible online. With the Reflex Mastercard®, you can get access to credit with credit scores that other banks reject. If you need credit and have a damaged credit score or even no credit score, we recommend applying to the Reflex Mastercard® now.
Rating: ⭐⭐⭐⭐⭐ 5 Stars
See if you’re Pre-Qualified with no impact to your credit score
Annual fee: see terms
Credit Needed: (300-669) Average/Fair/Limited/No
Regular APR: 25.90% – 29.99 (Variable)
Credit Card Details
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
- Annual Fee: See Terms
- Balance Transfers Intro APR : N/A
- Credit Needed: Bad/Fair
- Regular APR: See Terms
- Processing Fee: See Terms
- Cash Advance APR: See Terms
- Monthly Servicing Fee: See Terms
Credit Cards Research
Without a credit card, consumers are unfortunately at a disadvantage. Credit helps consumers get through emergency situations, and having access to credit is essential to building a credit score.
Credit cards help build credit and improve your credit score when you make monthly on-time payments. Higher credit scores lead to lower interest rates on loans. A lower interest rate allows you to pay off the loan faster and keep more money in your pocket.
Here are 3 benefits of having a credit card:
1. Access to an instant credit line.
Sometimes expenses need to be paid immediately. A credit card provides credit to pay off these expenses. It’s important to pay off the credit card before the due date so that you do not have to pay interest. If this is not possible in your financial situation, pay the minimum payment, so that you do not have to pay a late fee. Missing a payment lowers your score but paying only the minimum payment does not lower your score.
2. Build your credit.
The credit cards on this page accept consumers that other banks do not. When other banks say no, these credit card companies give you a chance to rebuild your credit.
3. Pay off purchases over time.
Credit cards allow you to make large purchases today and pay off the purchase price over time. Credit cards are a good option if you cannot afford to make a large purchase, but you know you can pay off the interest and the balance over time.
Getting access to credit with no credit score or a low credit score is possible by applying to the Freedom Gold Card, which is available to people with no credit or bad credit. Building credit is not easy, but anyone can gain access to credit and improve their credit score by applying to this card.
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