
Citizens Equity 1st CU Business Mastercard
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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 |
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 |
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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 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.
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.
Message From Citizens Equity 1st CU Business Mastercard
Contact
- Headquarters
-
5401 W Dirksen Pkwy
Peoria, IL 61607 USA - (800) 542-3328
- Visit Site
- Email Support
Other Services by Citizens Equity First Credit Union
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 3 months |
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Would you recommend Citizens Equity 1st CU Business Mastercard to your friends?
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