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  Citizens Equity 1st CU Business Mastercard
Citizens Equity 1st CU Business Mastercard
in Business Credit Cards from Citizens Equity First Credit Union
Unaffiliated

Citizens Equity 1st CU Business Mastercard

Unaffiliated
in Business Credit Cards from Citizens Equity First Credit Union
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Highlights
Purchase APR  (Variable APR) N/A
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee N/A

Citizens Equity 1st CU Business Mastercard Review

Key Takeaways

  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 3 months.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Citizens Equity 1st CU Business Mastercard

The Good The Bad
  • 0% APR on new purchases during the first 3 months. There is then a variable purchase APR of %.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • Cardholders can earn rewards on purchases everywhere Citizens Equity 1st CU Business Mastercard is accepted.
  • Citizens Equity 1st CU Business Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.

Citizens Equity 1st CU Business Mastercard FAQ

Who is Citizens Equity 1st CU Business Mastercard designed for?

This is a credit card issued by Citizens Equity First Credit Union.

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.

What are the relevant APRs?

Does it have an introductory APR offer?

This business card does offer an introductory APR rate on new purchases of 0% for a period of 3 months.

Citizens Equity 1st CU Business Mastercard Rates & Terms

What fees does it charge?

The following fees apply to this business credit card:

  • A late payment penalty of up to $29.00.
  • A returned payment fee of up to $25.
  • An overlimit fee of $29.

Does it charge a foreign transaction fee?

This business card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.

Citizens Equity 1st CU Business Mastercard Fees
Fees Amount
Foreign Transaction Fee 1%
Returned Payment Fee $25
Late Payment Fee $29.00

Does it offer a cash back or rewards program?

Yes, Citizens Equity 1st CU Business Mastercard offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Every Purchase

Does it have a sign up bonus?

This business credit card doesn't offer a cash signup bonus.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

What are the benefits?

This business credit card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Assistance
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (800) 542-3328.

What is the support contact email?

The support contact email for this business credit card is email@cefcu.com.

Does Citizens Equity 1st CU Business Mastercard report your account activity to credit bureaus?

Yes, Citizens Equity 1st CU Business Mastercard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the Citizens Equity First Credit Union .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Message From Citizens Equity First Credit Union

The CEFCU Business Mastercard works hard for your business with: Travel perks. Rewards. Cards for you and authorized signers. Worldwide use where Mastercard or Cirrus® displayed. Grace period on purchases. Secure shopping advantages. Extended warranties.

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 3 months
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 1%
Late Fee Amount $29.00
Minimum Cash Advance Fee ($) $10
No Interest Grace Period for Late Payment 25 days
Over-Limit Fee $29
Returned Payment Fee $25
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Rewards Categories
  • Every Purchase
APR Type Variable APR
Balance Computation Average Daily Balance
Card Network Mastercard
Card Type
  • Rewards

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