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Last Updated: 04/18/2025

Citizens Equity 1st CU Business Mastercard

in Business Credit Cards from Citizens Equity First Credit Union

Last Updated: 04/18/2025

Citizens Equity 1st CU Business Mastercard logo
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Purchase APR (Variable APR)

N/A

Balance Transfer APR (Variable APR)

N/A

Annual Fee

N/A

Credit Score Range

650 - 850

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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 3 months.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 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 you have a fair credit score or better.

Pros & Cons of Citizens Equity 1st CU Business Mastercard

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.

What fees does it charge?

The following fees apply to this business credit card:
  • A late payment penalty of $29.00 .
  • A returned payment fee of $25.

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.

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.

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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.

Citizens Equity 1st CU Business Mastercard logo

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.

Contact

Headquarters

5401 W Dirksen Pkwy
Peoria, IL 61607
Visit Site

Hours of Operation

Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
8:00AM - 12:00PM

Other Services by Citizens Equity First Credit Union