Citizens Equity First Credit Union Rewards Mastercard
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| Purchase APR (Variable APR) |
11.75% - 21.25% (Verified 10/25/2022) |
| Balance Transfer APR (Variable APR) |
11.75% - 21.25% (Verified 10/25/2022) |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Citizens Equity First Credit Union Rewards Mastercard Review
This is a secured credit card rewards card issued by Citizens Equity First Credit Union. If you're wondering whether Citizens Equity First Credit Union Rewards Mastercard is the right card for you, read on.
Key Takeaways
- Competitive APRs. Citizens Equity First Credit Union Rewards Mastercard has a variable purchase APR that ranges from 11.75% up to 21.25%.
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, price protection, trip cancellation insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Citizens Equity First Credit Union Rewards Mastercard
| The Good | The Bad |
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Citizens Equity First Credit Union Rewards Mastercard FAQ
Does Citizens Equity First Credit Union Rewards Mastercard have a cash back or rewards program?
Citizens Equity First Credit Union Rewards Mastercard is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does Citizens Equity First Credit Union Rewards Mastercard have a signup bonus?
This card doesn't offer a cash signup bonus.Does Citizens Equity First Credit Union Rewards Mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Citizens Equity First Credit Union Rewards Mastercard benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- 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 Rewards 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 Rewards Mastercard has a variable purchase APR that ranges from 11.75% up to 21.25%. The card has a variable balance transfer APR that ranges from 11.75% up to 21.25%. It also has a variable cash advance APR that ranges from 14.75% up to 24.25%.
Does Citizens Equity First Credit Union Rewards 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 | 11.75% - 21.25% |
Does Citizens Equity First Credit Union Rewards 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 Rewards Mastercard?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| 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 rewards card.
Does Citizens Equity First Credit Union Rewards Mastercard have a foreign transaction fee?
Citizens Equity First Credit Union Rewards Mastercard 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 card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Citizens Equity First Credit Union Rewards Mastercard?
The Citizens Equity First Credit Union Rewards Mastercard customer service number is (800) 542-3328.
What is the support contact email for Citizens Equity First Credit Union Rewards Mastercard?
The support contact email for Citizens Equity First Credit Union Rewards Mastercard is email@cefcu.com.
What is the Citizens Equity First Credit Union Rewards Mastercard login page?
You can access the Citizens Equity First Credit Union Rewards Mastercard login page here.
How do people rate the customer service and user experience of Citizens Equity First Credit Union Rewards Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Citizens Equity First Credit Union Rewards Mastercard report your account activity to credit bureaus?
Yes, Citizens Equity First Credit Union Rewards 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 Rewards Mastercard
- Visit the Citizens Equity First Credit Union Rewards 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
- California
- Illinois
Feature Breakdown
| Purchase Intro APR Period (Variable APR) | 12 months |
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