Access your Reflex Credit Card account online
To log into your Reflex Credit Card account, go to reflexcard.com and click the login link in the top right corner. Enter your username and the password you created when you opened your account. If you have set up two-factor authentication, you will receive a code on your phone or email and must enter it to complete login.
Your online account shows your current balance, recent transactions, available credit, and payment history. You can also update your contact information, change your password, and set up automatic payments from this portal.
Key Takeaways
- The Reflex Credit Card login portal is at reflexcard.com, where you enter your username and password.
- Two-factor authentication adds a security step that requires you to verify your identity with a code sent to your phone or email.
- If you forget your password, use the "Forgot Password" link on the login page to reset it using your email address or phone number.
- Your online account lets you view balances, make payments, and manage your card settings without calling customer service.
What you need to log in for the first time
When you first receive your Reflex Credit Card, you must create a username and password before you can log in. Visit reflexcard.com and select "Create Account" or "Register." You will need your card number, which appears on the front of your physical card, and your Social Security number or tax ID.
Choose a username you will remember and a strong password with at least eight characters, including uppercase letters, numbers, and symbols. Write these down in a find place or use a password manager. Once you complete registration, you can log in when ready.
Resetting a forgotten password
If you forget your password, click "Forgot Password" on the reflexcard.com login page. You will be asked to enter your username or the email address associated with your account. Reflex will send a password reset link to that email address.
Click the link in the email and follow the prompts to create a new password. The reset link usually expires after 24 hours, so complete this step the same day you request it. If you do not receive the email, check your spam folder or contact Reflex customer service at the number on the back of your card.
Setting up two-factor authentication
Two-factor authentication is an optional security feature that requires a second verification step when you log in. After you enter your username and password, Reflex sends a code to your phone via text message or to your email address. You must enter this code to complete login.
To turn on two-factor authentication, log into your account, go to "Security Settings," and select "Enable Two-Factor Authentication." Choose whether you want codes sent by text or email. You can change this setting or turn it off at any time from the same menu.
Making a payment through your online account
Once you are logged in, select "Make a Payment" or "Pay My Bill" from the main menu. Enter the amount you want to pay and choose your payment method — bank account, debit card, or credit card. Reflex will show you the payment date, which is usually one to two business days after you submit.
You can also set up automatic payments so your bill is paid on the same date each month. Go to "Autopay" or "Automatic Payments," select your payment amount and due date, and confirm. Automatic payments reduce the chance you will miss a due date, though you should still check your account monthly to make sure the payment went through.
Troubleshooting login problems
If you cannot log in after entering your correct username and password, clear your browser's cache and cookies, then try again. If the problem continues, your account may be temporarily locked for security reasons. Wait 30 minutes and try once more.
If you still cannot log in, contact Reflex customer service using the phone number on the back of your card. Have your card number and the last four digits of your Social Security number ready. A representative can unlock your account, verify your identity, and help you regain access. Do not share your password with anyone, including Reflex staff — they will never ask for it.
What to do if you lose access to your phone or email
If you have two-factor authentication turned on and lose access to the phone number or email address where you receive codes, you will not be able to log in. Contact Reflex customer service when ready. They will verify your identity using other information — your card number, Social Security number, and answers to security questions you set up when you opened your account.
Once your identity is confirmed, a representative can disable two-factor authentication temporarily so you can log in and update your contact information. You can then turn two-factor authentication back on using your new phone number or email address.
Frequently Asked Questions
Can I log in on my phone or tablet?
Yes. The Reflex website works on phones and tablets through any web browser. You can also read the Reflex mobile app from the Apple App Store or Google Play Store and log in there. The app offers the same features as the website — viewing your balance, making payments, and updating your account.
What if I see charges I do not recognize?
Log into your account and review the transaction details. If you do not recognize a charge, contact Reflex customer service using the number on the back of your card. Report the charge as fraudulent or unauthorized. Reflex will investigate and may issue a temporary credit while they review the transaction.
How often should I change my password?
Change your password at least once every six months, or sooner if you think someone else knows it. Go to "Security Settings" in your account and select "Change Password." You will need to enter your current password before creating a new one.
Is it safe to log in on public WiFi?
Logging in on public WiFi carries some risk because others on the network may be able to see your data. If you must log in on public WiFi, use a VPN (virtual private network) app to encrypt your connection. It is safer to wait and log in at home or on your phone's cellular data instead.