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  Citizens Equity First Credit Union Mastercard

Citizens Equity First Credit Union Mastercard

in Personal Credit Cards from Citizens Equity First Credit Union

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Citizens Equity First Credit Union Mastercard

Unaffiliated

in Personal Credit Cards from Citizens Equity First Credit Union

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Highlights
Purchase APR  (Variable APR) 8.5% - 18%
Balance Transfer APR  (Variable APR) 8.5% - 18%
Credit Score Range 600 - 850
Annual Fee N/A

Citizens Equity First Credit Union Mastercard Review

This is a secured credit card credit card issued by Citizens Equity First Credit Union. If you're wondering whether Citizens Equity First Credit Union Mastercard is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Citizens Equity First Credit Union Mastercard has a variable purchase APR that ranges from 8.5% up to 18%.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, price protection, 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 Citizens Equity First Credit Union Mastercard
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 1.99%.
  • No balance transfer fee.
  • Multiple credit card perks.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Trip cancellation insurance.
  • Considers applicants with fair or poor credit.
  • Citizens Equity First Credit Union Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
Citizens Equity First Credit Union Mastercard FAQ

Does Citizens Equity First Credit Union Mastercard have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Citizens Equity First Credit Union Mastercard benefits?

It provides the following benefits:

  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Price Protection
  • Reports to major credit bureaus

What are the relevant APRs for Citizens Equity First Credit Union 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 8.5% up to 18%. The card has a variable balance transfer APR that ranges from 8.5% up to 18%. It also has a variable cash advance APR that ranges from 11.5% up to 21%.

Does Citizens Equity First Credit Union 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.

Citizens Equity First Credit Union Mastercard Balance Transfers
Description
Balance Transfer Introductory APR 1.99%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 8.5% - 18%

Does Citizens Equity First Credit Union Mastercard have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases. for a period of up to 12 months.

What are the fees for Citizens Equity First Credit Union Mastercard?

The following fees apply:

Citizens Equity First Credit Union Mastercard Fees
Fees Amount
Annual Fee

What is the customer service phone number for Citizens Equity First Credit Union Mastercard?

The Citizens Equity First Credit Union Mastercard customer service number is (800) 542-3328.

What is the support contact email for Citizens Equity First Credit Union Mastercard?

The support contact email for Citizens Equity First Credit Union Mastercard is email@cefcu.com.

Does Citizens Equity First Credit Union Mastercard report your account activity to credit bureaus?

Yes, Citizens Equity First Credit Union 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 for Citizens Equity First Credit Union Mastercard

  • Visit the Citizens Equity First Credit Union 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.

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.

Availability

  Available in 2 states
  • California
  • Illinois

Feature Breakdown

Purchase Intro APR Period (Variable APR) 12 months
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) 8.25% - 20.75%
Minimum Interest Charge $0.50
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Trip Cancellation Insurance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 11.5% - 21%
Purchase APR (Variable APR) 8.5% - 18%
Balance Transfer Introductory APR (Variable APR) 1.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 8.5% - 18%
Card Type
  • Secured
  • Balance Transfer
Card Network Mastercard

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