Citizens Equity First Credit Union Rewards Mastercard
in Personal Credit Cards from Citizens Equity First Credit Union
UnaffiliatedCitizens Equity First Credit Union Rewards Mastercard
in Personal Credit Cards from Citizens Equity First Credit Union
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| 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.
- 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 oods if your credit score is above650.
| The Good | The Bad |
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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 |
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.
| 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:
| 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.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 - Visit Site
Other Services by Citizens Equity First Credit Union
Availability
- California
- Illinois
Feature Breakdown
| Every Purchase (Points) | Starting at 1 |
| Every Purchase (Points) | Earn 1 point for every dollar of net purchases on your card. |
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