Citizens Equity First Credit Union Mastercard

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.

Key Takeaways

• Competitive APRs. Citizens Equity First Credit Union Mastercard has a variable purchase APR that ranges from 10.75% up to 20.25%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• 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

Potentially lower than average purchase APRs. Has an introductory APR rate on balance transfers of 1.99%. No balance transfer fee. No annual fee. Multiple credit card perks. Extended warranty and price protection on purchases. Identity Theft Protection. Trip cancellation insurance. Considers applicants with fair 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. This card has lower than average regular APRs.

Citizens Equity First Credit Union Mastercard has a variable purchase APR that ranges from 10.75% up to 20.25%. The card has a variable balance transfer APR that ranges from 10.75% up to 20.25%. It also has a variable cash advance APR that ranges from 13.75% up to 23.25%.

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	$0

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

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.