Reflex Credit Card: How to Get the Reflex Credit Card

The credit card industry is constantly evolving with new products and features aimed at attracting consumers and providing better services. One of the such entries is the Reflex Credit Card, which offers a unique rewards program that differs from traditional credit card reward points.

Reflex Credit Card

In this post, we will take a look at the Reflex Card, including its rewards program, fees, and who it might be best suited for.

What is the Reflex Credit Card?

The Reflex Card is a new Visa Signature credit card issued by Reflex Financial, a fintech startup. It was launched in 2022 as a competitor to premium travel rewards cards like the Chase Sapphire Reserve and Amex Platinum.

The Reflex Card’s biggest distinction is its rewards program. Instead of earning points or miles, cardholders earn “Reflex Cash” that can be used to erase previous purchases. This creates a “refunding” rewards system rather than traditional points accrual.

How the Reflex Card’s Rewards Program Works

The Reflex Card offers the following rewards rates:

  • 5% back on airfare, hotels, and dining
  • 3% back on streaming services, groceries, gas stations, and rideshares
  • 1% back on all other purchases

As you spend on the card, you earn Reflex Cash equivalent to a percentage of your spending. This Reflex Cash goes into your rewards balance. You can then use it to “erase” previous purchases, essentially getting a refund on those transactions.

For example, if you earn $100 in Reflex Cash, you could erase a $100 grocery store transaction that posted earlier in the month. This creates a statement credit on your account.

The Reflex Card also offers a $300 sign-up bonus after spending $3,000 in the first 3 months.

Benefits of the Reflex Card’s Rewards System

The Reflex Card’s “refunding” rewards model has some potential benefits compared to traditional points systems:

  • No blackout dates or capacity limits – You can erase any past purchase, without worrying about redemption limits. This provides more flexibility.
  • Allows “refunds” on non-refundable purchases – Erasing a past purchase is like getting a refund, even on non-refundable transactions like flights and hotel stays.
  • Simpler system – With only one rewards currency (Reflex Cash) that can be applied however you want, the Reflex Card is easier to understand than cards with complex tiered points systems.
  • Redemption tracking – The app shows which past purchases have been erased, making it easy to monitor redemptions.

For certain consumers, this type of refunding rewards model may be more valuable and convenient than traditional points alternatives.

Reflex Card Fees and Costs

The Reflex Card does come with an annual fee, similar to other premium rewards cards. Here are the costs to be aware of:

  • $250 annual fee
  • 3% foreign transaction fee
  • No intro APR offer – 14.99% – 22.99% variable APR

The $250 annual fee is comparable to the fees on the Sapphire Reserve and Amex Platinum. It may be worthwhile if you can maximize the 5% back categories and earn enough rewards to offset the fee.

However, the lack of an introductory APR offer makes this less suitable for those looking to carry a balance over time. The ongoing APR of 14.99% – 22.99% is relatively standard.

Who is the Reflex Card Best For?

The Reflex Card’s unique rewards model makes it ideal for certain types of consumers, including:

  1. Frequent travelers

With 5% back on airfare and hotels, the Reflex Card is great for frequent travelers. Erasing past travel purchases is like getting a refund. This can help offset the $250 annual fee if you spend a lot in these categories.

  1. If You Dine out often

The 5% back on dining, both restaurants and delivery, makes the Reflex Card rewarding for foodies. Erasing past meals out essentially gives you a discount on dining expenses.

  1. Subscription services users

The 3% back on streaming services makes the Reflex Card a good option for cord cutters with subscriptions like Netflix, Hulu, Disney+, and more.

  1. Anyone who values simplicity and flexibility

For those who get confused or frustrated with complex tiered points programs, the simplicity of the Reflex Cash model may be appreciated. The flexibility to erase any past purchase is also useful.

How to Get the Reflex Credit Card

If you decide the Reflex Card is right for you, here are the steps to apply:

  • Go to and click “Apply Now”
  • Enter your personal information like name, address, date of birth, and Social Security Number
  • Review your application details and submit
  • If approved, you’ll receive your card within 5-7 business days

Initial applications are processed quickly, with same-day approval decisions in many cases. Make sure to have your income, employment, and identification information handy when applying.

If you’re not approved, you may have the option to provide additional documents or add a co-signer to your application. Contact Reflex Financial support for details on qualification criteria.

How to Manage Your Reflex Card Account

Once you’re approved for the Reflex Card, you can manage your account via the online portal or mobile app. Features include:

  • Pay your bill – Make one-time payments or set up autopay directly from a bank account
  • Redeem rewards – View Reflex Cash balance and erase past purchases
  • Track spending – Monitor statement activity and spending by category
  • Manage account – Update your personal info, change billing date, add authorized users, etc.

You can receive account alerts about approaching deadlines, suspicious activity, refund rewards notifications, and more.

Customer service is available 24/7 by phone if any issues come up with your account. The mobile app also offers chat support.

Be sure to make at least the minimum payment by the due date each month to avoid interest charges. Set up autopay or calendar reminders to stay on top of your payment schedule.

Drawbacks and Downsides of the Reflex Card

While the Reflex Card has some unique benefits, there are also a few downsides to consider:

  • High annual fee – $250 is substantial, so you need to spend enough in the 5% categories to offset this cost.
  • Foreign transaction fee – The 3% fee on international spending makes this less ideal for frequent travelers headed overseas.
  • New company – Reflex Financial is an emerging fintech, so it doesn’t have the long track record of issuers like Chase and Amex.
  • Limited acceptance – Like other premium cards, merchant acceptance may be occasionally limited.
  • Soft 1% rate on non-bonus spend – While not unusual for this type of card, 1% back on general purchases is lower than some other options.

Depending on your spending habits and priorities, these potential downsides may make other cards a better overall choice. The value depends on your ability to maximize the 5% category bonuses.

Reflex Card vs Amex Platinum

The American Express Platinum Card is one of the top premium travel rewards cards. How does it compare to the Reflex Card?

The Platinum Card has a higher annual fee at $695, but offers a wider array of travel perks and airline/hotel loyalty benefits. Key differences include:

  • Airport lounge access – The Platinum Card offers access to Amex Centurion Lounges, Priority Pass lounges, and Delta Sky Clubs when flying Delta. The Reflex Card has no lounge benefits.
  • Airline fee credits – The Platinum Card provides up to $200 in airline fee credits each year with selected airlines. The Reflex Card has no airline credit.
  • Hotel elite status – Platinum cardmembers can receive Gold elite status with Hilton and Marriott. There are no hotel benefits with the Reflex Card.
  • Transferable points – Amex Membership Rewards points transfer to airline/hotel partners. Reflex Cash cannot be transferred.
  • Purchase protections – The Platinum Card includes rental car insurance, extended warranty coverage, and other premium benefits. The Reflex Card’s protections are more standard.

The Reflex Card competes better when it comes to earning rewards:

  • 5% back on dining and airfare vs 5x MR points for the Platinum
  • No foreign transaction fees vs 2.7% for the Platinum

For consumers who prioritize transferable points and travel perks, the Amex Platinum is likely the better premium choice. But the Reflex Card has its advantages for simpler rewards redemption.


The new Reflex Card offers an intriguing refunding rewards model that emphasizes flexibility and simplicity. For certain spenders who frequently dine out or travel. Reflex Cash back may provide significant value. But the high annual fee, lack of intro APR, and limited bonus categories also mean it won’t be ideal for everyone.

Carefully consider your monthly spending and typical credit card use to determine if the Reflex Card is a good for you.

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