Citizens Equity First Credit Union World Mastercard

Citizens Equity First Credit Union World Mastercard Review

This is a credit card issued by average daily balance (including current transactions). If you're wondering whether Citizens Equity First Credit Union World Mastercard is the right card for you, read on.

Key Takeaways

• Competitive APRs. Citizens Equity First Credit Union World 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 card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
• 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 World 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. Offers auto rental collision damage waiver. Access to a concierge. Extended warranty and price protection on purchases. Identity Theft Protection. Trip cancellation insurance. Citizens Equity First Credit Union World 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 World Mastercard FAQ

Does Citizens Equity First Credit Union World Mastercard have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Citizens Equity First Credit Union World 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 World 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 World 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%.

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

The following fees apply:

Citizens Equity First Credit Union World Mastercard Fees

Fees	Amount
Annual Fee	$0
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 card.

Does Citizens Equity First Credit Union World Mastercard report your account activity to credit bureaus?

Yes, Citizens Equity First Credit Union World 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 World Mastercard

• Visit the Citizens Equity First Credit Union World 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.