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  Equitable Federal Unsecured MasterCard Credit Card

Equitable Federal Unsecured MasterCard Credit Card

in Personal Credit Cards from Equitable Federal Credit Union

Unaffiliated

Equitable Federal Unsecured MasterCard Credit Card

Unaffiliated

in Personal Credit Cards from Equitable Federal Credit Union

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Highlights
Purchase APR  (Fixed APR) 9.78 - 16.78
Balance Transfer APR  (Fixed APR) Starting at 5.50
Credit Score Range 500 - 599
Annual Fee N/A

Equitable Federal Unsecured MasterCard Credit Card Review

This is a credit 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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Equitable Federal Unsecured MasterCard Credit Card has a fixed purchase APR that ranges from 9.78% up to 16.78%.
  • 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 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, 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 bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of Equitable Federal Unsecured MasterCard Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair or poor credit.
  • Equitable Federal Unsecured MasterCard Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • Charges a 4% balance transfer fee.
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.

What are the Equitable Federal Unsecured MasterCard Credit Card benefits?

It provides the following benefits:

  • 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 is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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?

The following fees apply:

Equitable Federal Unsecured MasterCard Credit Card Fees
Fees Amount
Annual Fee
Foreign Transaction Fee 1%
Returned Payment Fee up to $27
Late Payment Fee up to $25

Does Equitable Federal Unsecured MasterCard Credit Card have a foreign transaction fee?

Equitable Federal Unsecured MasterCard Credit Card 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.

What is the customer service phone number for Equitable Federal Unsecured MasterCard Credit Card?

The Equitable Federal Unsecured MasterCard Credit Card customer service number is (330) 633-7307.

Does Equitable Federal Unsecured MasterCard Credit Card report your account activity to credit bureaus?

Yes, Equitable Federal Unsecured MasterCard Credit Card 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 Equitable Federal Unsecured MasterCard Credit Card

  • Visit the Equitable Federal Unsecured MasterCard Credit Card 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.

View Equitable Federal Unsecured MasterCard Credit Card's published terms & conditions.
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

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:00pm
  • Tuesday 9:00am - 4:00pm
  • Wednesday Closed
  • Thursday 9:00am - 4:00pm
  • Friday 9:00am - 4:00pm
  • Saturday Closed

About Equitable Federal Unsecured MasterCard Credit Card

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View all personal credit cards offered by Equitable Federal Credit Union

Availability

  Available in 1 state
Ohio
Availabile in all of Ohio

Feature Breakdown

Foreign Currency Transaction Fee 1
Returned Payment Fee Up to 27
Additional Card Fee Amount 10
Late Fee Amount Up to 25
Customer Type Personal
Minimum Age 18
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 599
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Price Protection
  • Emergency Support
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Every Purchase
  • Select Merchants
Cash Advance APR (Fixed APR) 9.78 - 16.78
Purchase APR (Fixed APR) 9.78 - 16.78
Balance Transfer APR (Fixed APR) Starting at 5.50
Balance Transfer Fee % 4
Card Type
  • Balance Transfer

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