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  Citizens Equity First Credit Union Rewards Mastercard

Citizens Equity First Credit Union Rewards Mastercard

in Personal Credit Cards from Citizens Equity First Credit Union

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Citizens Equity First Credit Union Rewards Mastercard

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in Personal Credit Cards from Citizens Equity First Credit Union

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Highlights
Purchase APR  (Variable APR) 9.5% - 19%
Balance Transfer APR  (Variable APR) 9.5% - 19%
Credit Score Range 650 - 850
Annual Fee $0

Citizens Equity First Credit Union Rewards Mastercard Review

This is a secured credit card rewards credit 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. 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 Rewards Mastercard has a variable purchase APR that ranges from 9.5% up to 19%.
  • 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
  • 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.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Identity Theft Protection.
  • Trip cancellation insurance.
  • Cardholders can earn rewards on purchases everywhere Citizens Equity First Credit Union Rewards Mastercard is accepted.
  • Citizens Equity First Credit Union Rewards Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
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.

Citizens Equity First Credit Union Rewards Mastercard Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 9.5% up to 19%. The card has a variable balance transfer APR that ranges from 9.5% up to 19%. It also has a variable cash advance APR that ranges from 12.5% up to 22%.

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.

Citizens Equity First Credit Union Rewards Mastercard Balance Transfers
Description
Balance Transfer Introductory APR 1.99%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 9.5% - 19%

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:

Citizens Equity First Credit Union Rewards Mastercard Fees
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.

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.

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 Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $1
Minimum Cash Advance Fee ($) $1 - $8
Foreign Currency Transaction Fee 1%
Minimum Interest Charge $0.50
Returned Payment Fee Up to $25
Late Fee Amount Up to $25
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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Trip Cancellation Insurance
Rewards Categories
  • Every Purchase
  • Internet / Cable / Phone Services
Cash Advance APR (Variable APR) 12.5% - 22%
Balance Computation average daily balance (including current transactions)
Purchase APR (Variable APR) 9.5% - 19%
Balance Transfer Introductory APR (Variable APR) 1.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 9.5% - 19%
Card Type
  • Rewards
  • Secured
  • Balance Transfer
  • Bonus Offers
Card Network Mastercard

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