Last Updated: 07/28/2025
Citizens Equity First Credit Union Cash Back Credit Mastercard
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.75% - 22.25%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
12.75% - 22.25%(Verified 06/21/2024)
Credit Score Range
600 - 850
Annual Fee
$0
Citizens Equity First Credit Union Cash Back Credit Mastercard Review
This is a cashback credit card issued by Citizens Equity First Credit Union. If you're wondering whether Citizens Equity First Credit Union Cash Back Credit Mastercard is the right card for you, read on.
Key Takeaways
- APRs: Citizens Equity First Credit Union Cash Back Credit Mastercard has a variable regular purchase APR that ranges from 12.75% up to 22.25%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of CEFCU Cash Back Credit Mastercard
| The Good | The Bad |
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CEFCU Cash Back Credit Mastercard FAQ
Does CEFCU Cash Back Credit Mastercard have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
What are the relevant APRs for CEFCU Cash Back Credit Mastercard?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Citizens Equity First Credit Union Cash Back Credit Mastercard has a variable purchase APR that ranges from 12.75% up to 22.25%. The card has a variable balance transfer APR that ranges from 12.75% up to 22.25%. It also has a variable cash advance APR that ranges from 15.75% up to 25.25%.
Does CEFCU Cash Back Credit Mastercard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 1.99% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 12.75% - 22.25% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 1.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does CEFCU Cash Back Credit Mastercard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for CEFCU Cash Back Credit Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
What is the customer service phone number for CEFCU Cash Back Credit Mastercard?
The customer service number for CEFCU Cash Back Credit Mastercard is (800) 542-3328.
What is the support contact email for CEFCU Cash Back Credit Mastercard?
The support contact email for CEFCU Cash Back Credit Mastercard is email@cefcu.com.
How do people rate the customer service and user experience of CEFCU Cash Back Credit Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Citizens Equity First Credit Union perform a hard credit pull?
Yes, CEFCU Cash Back Credit Mastercard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for CEFCU Cash Back Credit Mastercard
- Visit the website of CEFCU Cash Back Credit Mastercard.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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.
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
Checking Accounts
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Other Credit Cards from Citizens Equity First Credit Union
Rating not yet determined
Purchase APR
10.75% - 20.25%
Disclaimer popup with additional information
Balance Transfer APR
10.75% - 20.25%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
11.75% - 21.25%
Disclaimer popup with additional information
Balance Transfer APR
11.75% - 21.25%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
11.75% - 21.25%
Disclaimer popup with additional information
Balance Transfer APR
11.75% - 21.25%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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