Last Updated: 07/28/2025
Equitable Federal Unsecured MasterCard Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
9.78% - 16.78%(Verified 06/21/2024)
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Balance Transfer APR (Fixed APR)
Starting at 5.50%(Verified 06/21/2024)
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Credit Score Range
500 - 599
Annual Fee
N/A
Equitable Federal Unsecured MasterCard Credit Card Review
This is a card issued by Equitable Federal Credit Union. If you're wondering whether Equitable Federal Unsecured MasterCard Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Equitable Federal Unsecured MasterCard Credit Card has a fixed purchase APR that ranges from 9.78% up to 16.78%.
- A 4% balance transfer fee. Equitable Federal Unsecured MasterCard Credit Card charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, identity theft protection, price protection, travel accident insurance, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Equitable Federal Unsecured MasterCard Credit Card
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Equitable Federal Unsecured MasterCard Credit Card FAQ
Does Equitable Federal Unsecured MasterCard Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Equitable Federal Unsecured MasterCard Credit Card?
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.Equitable Federal Unsecured MasterCard Credit Card has a fixed purchase APR that ranges from 9.78% up to 16.78%. The card has a fixed balance transfer APR starting at 5.50% . It also has a fixed cash advance APR that ranges from 9.78% up to 16.78%.
Does Equitable Federal Unsecured MasterCard Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Equitable Federal Unsecured MasterCard Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Equitable Federal Unsecured MasterCard Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $27 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
Does Equitable Federal Unsecured MasterCard Credit Card have a foreign transaction fee?
Equitable Federal Unsecured MasterCard Credit Card charges a foreign transaction fee of up to 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.What is the customer service phone number for Equitable Federal Unsecured MasterCard Credit Card?
The customer service number for Equitable Federal Unsecured MasterCard Credit Card is (330) 633-7307.
What is the support contact email for Equitable Federal Unsecured MasterCard Credit Card?
The support contact email for Equitable Federal Unsecured MasterCard Credit Card is info@eqfcu.org.
What is the login page for Equitable Federal Unsecured MasterCard Credit Card?
You can access the login page of Equitable Federal Unsecured MasterCard Credit Card here.
How do people rate the customer service and user experience of Equitable Federal Unsecured MasterCard Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Equitable Federal Unsecured MasterCard Credit Card report your account activity to credit bureaus?
Yes, Equitable Federal Unsecured MasterCard Credit Card 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 Equitable Federal Credit Union perform a hard credit pull?
Yes, Equitable Federal Unsecured MasterCard Credit Card 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 Equitable Federal Unsecured MasterCard Credit Card
- Visit the website of Equitable Federal Unsecured MasterCard Credit Card.
- 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.
View Equitable Federal Unsecured MasterCard Credit Card's published terms & conditions
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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.
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