Last Updated: 07/28/2025
Citizens Equity First Credit Union World Mastercard
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
11.75% - 21.25%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
11.75% - 21.25%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
Citizens Equity First Credit Union World Mastercard Review
This is a 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
- APRs: Citizens Equity First Credit Union World Mastercard has a variable regular 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 Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, price protection, trip cancellation and interruption protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Citizens Equity First Credit Union World Mastercard
| The Good | The Bad |
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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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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%.
Does Citizens Equity First Credit Union World 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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 11.75% - 21.25% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 1.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Citizens Equity First Credit Union World Mastercard have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 1.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 1.99% on qualified purchases for a period of 12 months.
What are the fees for Citizens Equity First Credit Union World Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $1 - $8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
What is the customer service phone number for Citizens Equity First Credit Union World Mastercard?
The customer service number for Citizens Equity First Credit Union World Mastercard is (800) 542-3328.
What is the support contact email for Citizens Equity First Credit Union World Mastercard?
The support contact email for Citizens Equity First Credit Union World Mastercard is email@cefcu.com.
How do people rate the customer service and user experience of Citizens Equity First Credit Union World Mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Citizens Equity First Credit Union World Mastercard report your account activity to credit bureaus?
Yes, Citizens Equity First Credit Union World Mastercard reports to the following credit bureaus:
- 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 build your credit.
Does Citizens Equity First Credit Union perform a hard credit pull?
Yes, Citizens Equity First Credit Union World Mastercard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Citizens Equity First Credit Union World Mastercard
- Visit the website of Citizens Equity First Credit Union World Mastercard.
- 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
8:00AM - 12:00PM
Other Services by Citizens Equity First Credit Union
Checking Accounts
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Other Credit Cards from Citizens Equity First Credit Union
Rating not yet determined
Purchase APR
12.75% - 22.25%
Disclaimer popup with additional information
Balance Transfer APR
12.75% - 22.25%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
10.75% - 20.25%
Disclaimer popup with additional information
Balance Transfer APR
10.75% - 20.25%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
11.75% - 21.25%
Disclaimer popup with additional information
Balance Transfer APR
11.75% - 21.25%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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Citizens Equity First Credit Union World Mastercard Community Reviews
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