Citizens Equity First Credit Union Cash Back Credit Mastercard
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| Purchase APR (Variable APR) |
12.75% - 22.25% (Verified 10/26/2022) |
| Balance Transfer APR (Variable APR) |
12.75% - 22.25% (Verified 10/26/2022) |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Citizens Equity First Credit Union Cash Back Credit Mastercard Review
This is a cashback card issued by Citizens Equity First Credit Union. If you're wondering whether CEFCU Cash Back Credit Mastercard is the right card for you, read on.
Key Takeaways
- Competitive APRs. Citizens Equity First Credit Union Cash Back Credit Mastercard has a variable 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 insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
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.
What are the CEFCU Cash Back Credit Mastercard benefits?
It provides the following benefits:
- 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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 up to 12 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 1.99% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 12.75% - 22.25% |
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?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | 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 CEFCU Cash Back Credit Mastercard customer service number 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.
What is the CEFCU Cash Back Credit Mastercard login page?
You can access the CEFCU Cash Back Credit Mastercard login page here.
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.
How to apply for CEFCU Cash Back Credit Mastercard
- Visit the CEFCU Cash Back Credit Mastercard website.
- 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.
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
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $25 |
| Late Fee Amount | Up to $25 |
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