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.

• 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.

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.

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?

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%.

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

The following fees apply:

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 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.