SuperMoney
  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
Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Citizens Equity 1st CU Business Mastercard to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) N/A
Balance Transfer APR  (Variable APR) N/A
Annual Fee N/A
Credit Score Range 650 - 850

Citizens Equity 1st CU Business Mastercard Review

This is a rewards card issued by Citizens Equity First Credit Union. If you're wondering whether Citizens Equity 1st CU Business Mastercard is the right card for you, read on.

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 Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, purchase security, 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.
  • N/A
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.

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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Citizens Equity 1st CU Business Mastercard

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

Be the first to rate

 

Would you recommend Citizens Equity 1st CU Business Mastercard to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Business Credit Cards