A "refractor card" is a card that has chrome reflective devices. These cards often come with a thin removable protective layer. The card loses some value if this plastic layer is removed. Refractor cards are commonly used as inserts along with regular issue packs of cards and were first introduced in the 1990's. I will leave a link below to a Glossary Of Baseball Collectible Terms if you need more information.
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A refractor that form the use of the lenses to gather light and magnify it.
A reflector purpose is the mirrors to use through gather light and lenses to magnify it.