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CEFCU Cash Back Credit MastercardRemove

Citizens Equity First Credit Union

Product terms with exact source passages
TermValueSource
APR for purchases14%–23.50% variableCITIZENS EQUITY FIRST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for balance transfers—
APR for cash advances—
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Annual feeNoneCITIZENS EQUITY FIRST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance$1, $1 for each Cash Advance obtained at a non-CEFCU ATM.CITIZENS EQUITY FIRST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Balance transfer—
Foreign transaction1% of the amount, 1% of each Purchase in U.S. Dollars if made with a CEFCU Credit Mastercard, Cash Back Credit Mastercard, or Rewards Credit Mastercard. 1% of each Cash Advance in U.S. Dollars if obtained with a CEFCU Credit Mastercard, Cash Back Credit Mastercard, or Rewards Credit Mastercard. (This fee is in addition to other applicable fees such as Cash Advance fees.)CITIZENS EQUITY FIRST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty fees
Late paymentup to $25 — Up to $25CITIZENS EQUITY FIRST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Returned paymentup to $25 — Up to $25CITIZENS EQUITY FIRST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR qualificationsPurchase · Regular14.00% to 23.50%CITIZENS EQUITY FIRST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cash back1.50% cash back. Payment timing is not disclosed. 6. A CEFCU Cash Back Credit Mastercard earns 1.5% cash back rewards for each $1 spent on “eligible” “net purchase transactions” made with the card, rounded up or down to the nearest one cent. “Eligible” purchase transactions do not include cash advances, cash equivalent transactions (such as the purchase of gift cards or cryptocurrency), convenience checks, balance transfers, gambling, insurance charges, or fees of any kind, including finance charges, foreign transaction currency conversion charges, late fees, over limit fees, returned check fees, ACH, Tele-Entry or Autopay fees and ATM cash advance fees, and are excluded from earning cash back. Cash back rewards are not transferable to another rewards program and must be used before the CEFCU Cash Back Credit Mastercard is closed.CITIZENS EQUITY FIRST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cashback qualificationsCash back“Net purchase transactions” means the sum of your eligible purchase transactions minus returns and refunds.CITIZENS EQUITY FIRST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cash back1.50% cash back. Payment timing is not disclosed. A CEFCU Cash Back Credit Mastercard earns 1.5% cash back rewards for each $1 spent on “eligible” “net purchase transactions” made with the card, rounded up or down to the nearest one cent. “Eligible” purchase transactions do not include cash advances, cash equivalent transactions (such as the purchase of gift cards or cryptocurrency), convenience checks, balance transfers, gambling, insurance/debt cancellation charges, or fees of any kind, including finance charges, foreign transaction currency conversion charges, late fees, returned check fees, ACH, Tele-Entry or Autopay fees and ATM cash advance fees, and are excluded from earning cash back. Cash back rewards are not transferable to another rewards program and must be used before the CEFCU Cash Back Credit Mastercard is closed.CITIZENS EQUITY FIRST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cashback qualificationsCash back“Net purchase transactions” means the sum of your eligible purchase transactions minus returns and refunds.CITIZENS EQUITY FIRST · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website