Having zero or poor credit history can be a huge stumbling block for getting a Credit Card with favorable rates and APRs.

Without a doubt, there’s no worse feeling than walking into a shop and being denied a card based on poor credit history.

If you’ve been scouring the market for good Credit Cards and all your applications seem to hit a brick wall, the Reflex MasterCard might be a viable option.

Unlike other cards, the Reflex card can either be secured or unsecured, depending on your credit score.

The major drawback is that it comes with relatively higher interest rates and many fees, especially if you have low credit.

That said, it’s worth looking at a holistic view of the card before making a decision.

Let’s take a look.