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Cash back rewards are not transferable to another rewards program and must be used before the CEFCU Cash Back Credit Mastercard is closed.","qualificationConditions":"“Net purchase transactions” means the sum of your eligible purchase transactions minus returns and refunds.","qualificationConditionSources":[{"snapshotId":"53509","sourceKind":"official_issuer","publisherName":"CITIZENS EQUITY FIRST","capturedAt":"2026-10-14T15:46:39.243Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.cefcu.com/credit-cards-benefits-and-features.html","passageId":"501d660d32ce0b2d5387e4c28016379e","pageNumber":null,"quote":"“Net purchase transactions” means the sum of your eligible purchase transactions minus returns and refunds.","recordId":"official-issuer:page:url:92de41ee35363f6aa3a0672e808204b0a7c7fb3937ed425cbf4ff09c5d979a87","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}]},{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T05:56:53.029Z","sources":[{"snapshotId":"52148","sourceKind":"official_issuer","publisherName":"CITIZENS EQUITY FIRST","capturedAt":"2026-10-14T05:56:53.029Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.cefcu.com/personal/borrow/credit-cards.html","passageId":"123d7caabfbdfdd3d0ace33a213d7d83","pageNumber":null,"quote":"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/deb…","recordId":"official-issuer:page:url:15f514cd8556f0913d3683afde86582cebc5fe14c174a71ffc4ebc5435f25a21","recordFields":[],"fieldKey":"card_cash_benefit"},{"snapshotId":"52148","sourceKind":"official_issuer","publisherName":"CITIZENS EQUITY FIRST","capturedAt":"2026-10-14T05:56:53.029Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.cefcu.com/personal/borrow/credit-cards.html","passageId":"0df9c972fd75f2f0261698371ee58a6b","pageNumber":null,"quote":"“Net purchase transactions” means the sum of your eligible purchase transactions minus returns and refunds.","recordId":"official-issuer:page:url:15f514cd8556f0913d3683afde86582cebc5fe14c174a71ffc4ebc5435f25a21","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}],"benefitKey":"cashback","benefitKind":"cashback_earnings","percentBps":150,"percentNullReason":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","amountCents":null,"amountNullReason":"not_applicable","amountIsUpperBound":false,"minimumQualifyingSpendCents":null,"minimumSpendNullReason":"not_applicable","qualifyingDaysAfterAccountOpening":null,"qualifyingDaysNullReason":"not_applicable","recurrenceMonths":null,"recurrenceMonthsNullReason":"not_applicable","recurrenceAnchor":null,"recurrenceAnchorNullReason":"not_applicable","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","conditions":" 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.","qualificationConditions":"“Net purchase transactions” means the sum of your eligible purchase transactions minus returns and refunds.","qualificationConditionSources":[{"snapshotId":"52148","sourceKind":"official_issuer","publisherName":"CITIZENS EQUITY FIRST","capturedAt":"2026-10-14T05:56:53.029Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.cefcu.com/personal/borrow/credit-cards.html","passageId":"0df9c972fd75f2f0261698371ee58a6b","pageNumber":null,"quote":"“Net purchase transactions” means the sum of your eligible purchase transactions minus returns and refunds.","recordId":"official-issuer:page:url:15f514cd8556f0913d3683afde86582cebc5fe14c174a71ffc4ebc5435f25a21","recordFields":[],"fieldKey":"card_cash_benefit:qualification"}]}],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"unparsed-75","reason":"unparsed_value","detail":"APR is stated, but the original capture date required for a typed APR is absent from the supplied metadata.","sources":[{"snapshotId":"52148","sourceKind":"official_issuer","publisherName":"CITIZENS EQUITY FIRST","capturedAt":"2026-10-14T05:56:53.029Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.cefcu.com/personal/borrow/credit-cards.html","passageId":"e283e071e29252ce099ddcbfc2d9b32d","pageNumber":null,"quote":"1.99% introductory APR on Purchases and Balance Transfers for 12 months.","recordId":"official-issuer:page:url:15f514cd8556f0913d3683afde86582cebc5fe14c174a71ffc4ebc5435f25a21","recordFields":[],"fieldKey":"withheld:card_offer:unparsed-75"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[{"snapshotId":"47011","path":"citizens-equity-first-credit-union/0223-087mcdb-credit-mcd-cardholder-agreement-w","title":"0223_087MCDB_Credit MCD Cardholder Agreement_W","documentType":"official_issuer_agreement","effectiveDate":null,"effectiveDateNullReason":"not_parsed","issuer":{"name":"Citizens Equity First Credit Union","handle":"citizens-equity-first-credit-union"},"identityDeclarations":[{"passageId":"7ba49f22840c8512d585db6ceb3b5ca7","pageNumber":2,"name":"CEFCU Cash Back Credit Mastercard"}]}]}}