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  Citizens Equity First Credit Union World Mastercard

Citizens Equity First Credit Union World Mastercard

in Personal Credit Cards from Citizens Equity First Credit Union

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Citizens Equity First Credit Union World Mastercard

Unaffiliated

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 World Mastercard Review

Citizens Equity First Credit Union World Mastercard is a credit card issued by Citizens Equity First Credit Union. If you're wondering whether Citizens Equity First Credit Union World Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. Citizens Equity First Credit Union World 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 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 oods if your credit score is above650.
Citizens Equity First Credit Union World Mastercard Pros & Cons
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.
  • 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

Is there a Citizens Equity First Credit Union World Mastercard cash back or rewards program?

No, Citizens Equity First Credit Union World Mastercard does not offer a rewards program.

What are the Citizens Equity First Credit Union World Mastercard benefits?

Citizens Equity First Credit Union World Mastercard 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Citizens Equity First Credit Union World Mastercard has lower than average purchase APRs.

Citizens Equity First Credit Union World Mastercard 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 World Mastercard have an introductory APR offer on balance transfers?

Yes, Citizens Equity First Credit Union World Mastercard offers an introductory APR rate on balance transfers of 1.99% for a period of up to 12 months.

Citizens Equity First Credit Union World 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 World Mastercard have an introductory APR offer on new purchases?

Citizens Equity First Credit Union World Mastercard Purchase Intro Offer
Description
Introductory Rate 1.99%
Purchase Intro APR Period 12 months

This card does offer an introductory APR rate of 1.99% on qualified purchases for a period of up to 12 months.

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

The following fees apply to Citizens Equity First Credit Union World Mastercard:

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

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.

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.

Contact

  • Headquarters
  •   5401 W Dirksen Pkwy
    Peoria, IL 61607
  •   Visit Site

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

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Availability

  Available in 2 states
  • California
  • Illinois

Feature Breakdown

Introductory Rate 1.99%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $1
Minimum Cash Advance Fee ($) $1 - $8
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
  • Airport Lounge Access
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Trip Cancellation Insurance
Rewards Type Points
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
  • Bonus Offers
Card Network Mastercard

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