Community 1st Credit Union Mastercard® Everyday Rewards+
The Community 1st Credit Union Mastercard® Everyday Rewards+ from Community 1st Credit Union earns up to 4% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn $150 bonus reward (15,000 points) after you spend $500 within first 90 days of account opening.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 4%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Community 1st Credit Union Mastercard Everyday Rewards+ earn in each category?
Dining is the strongest category at 4% effective value (4x points at about 1 cents each). That dining rate ranks higher than about 86% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 4% effective value (4x points at about 1 cents each). That dining rate ranks higher than about 86% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 4x points | 4% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 2% |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 2x points | 2% |
Madeen values Elan Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Community 1st Credit Union Mastercard Everyday Rewards+ reward caps and conditions?
The Community 1st Credit Union Mastercard Everyday Rewards+ has 4 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Unlimited 4x points on dining, take-out & food delivery Capped at $2000 per quarter.
- 2x points at gas and EV charging stations
- 2x points at grocery stores
- 2x points on eligible streaming services
Who should get the Community 1st Credit Union Mastercard Everyday Rewards+?
The Community 1st Credit Union Mastercard Everyday Rewards+ fits spenders who put meaningful volume in dining and can earn 4x points. Best for spenders who put meaningful volume in dining and can earn 4x points. The welcome bonus can help if you can meet the spend requirement.
Community 1st Credit Union Mastercard Everyday Rewards+ fits spenders who put meaningful volume in dining and can earn 4x points. Madeen ranks its dining effective rate higher than about 86% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 4x points. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 4% effective (4x points).
- That dining rate ranks higher than about 86% of cards we track in the category.
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
- Multiple caps, activations, or exclusions may limit headline earn rates.
- Elan Rewards value depends on how you redeem, not straight cash back.
Does the Community 1st Credit Union Mastercard Everyday Rewards+ have an annual fee, and what's the welcome bonus?
The Community 1st Credit Union Mastercard Everyday Rewards+ has an annual fee of $0 and a foreign transaction fee of $3. New applicants may see: Earn $150 bonus reward (15,000 points) after you spend $500 within first 90 days of account opening.. Confirm current issuer terms before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
- Signup bonus
- Earn $150 bonus reward (15,000 points) after you spend $500 within first 90 days of account opening.
What benefits come with the Community 1st Credit Union Mastercard Everyday Rewards+?
The Community 1st Credit Union Mastercard Everyday Rewards+ includes Auto Rental Discounts, Concierge, Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Auto Rental Discounts
Alamo, Hertz and National
- Concierge
Complimentary 24/7/365 access to a wide range of personalized services, including entertainment planning, business services, gift arrangements, specialty services and travel information.
- Global emergency servicesIncluded with World Mastercard®
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with World Mastercard®
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- ID Navigator Powered by NortonLifeLock
Provides tools so you can act quickly if your identity is threatened.
- InstacartIncluded with World Mastercard®
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
- Lost Luggage Reimbursement
Up to $3,000 reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged. Coverage begins when the luggage is checked in or carried onto the common carrier by you.
- Mastercard GolfIncluded with World Mastercard®
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Common questions about the Community 1st Credit Union Mastercard Everyday Rewards+
Does the Community 1st Credit Union Mastercard Everyday Rewards+ have an annual fee?
The Community 1st Credit Union Mastercard Everyday Rewards+ carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Community 1st Credit Union Mastercard Everyday Rewards+?
Dining is the strongest Madeen category for the Community 1st Credit Union Mastercard Everyday Rewards+ at about 4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Community 1st Credit Union Mastercard Everyday Rewards+ charge foreign transaction fees?
The Community 1st Credit Union Mastercard Everyday Rewards+ charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Community 1st Credit Union Mastercard Everyday Rewards+ welcome bonus?
The Community 1st Credit Union Mastercard Everyday Rewards+ welcome offer in our snapshot: Earn $150 bonus reward (15,000 points) after you spend $500 within first 90 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Community 1st Credit Union Mastercard Everyday Rewards+?
Madeen's catalog lists a typical credit range of Good to Excellent for the Community 1st Credit Union Mastercard Everyday Rewards+. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Community 1st Credit Union Mastercard Everyday Rewards+?
Rewards on the Community 1st Credit Union Mastercard Everyday Rewards+ post as Elan Rewards. Redemption value depends on how you use Elan Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Community 1st Credit Union Mastercard Everyday Rewards+ compare to similar cards?
Compare the Community 1st Credit Union Mastercard Everyday Rewards+ against Community 1st Credit Union Mastercard Business Cash Preferred (3% on Dining, $0 fee); Community 1st Credit Union Mastercard Reserve Rewards+ Card (2% on Dining, $390 fee); Community 1st Credit Union Mastercard Max Cash Preferred (5% on Other, $0 fee). Madeen ranks effective value by category and annual fee using the.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Community 1st Credit Union Mastercard Everyday Rewards+ This card | Dining | 4% | $0 |
Community 1st Credit Union | Dining | 3% | $0 |
Community 1st Credit Union | Dining | 2% | $390 |
Community 1st Credit Union | Other | 5% | $0 |
Community 1st Credit Union | Gas | 4% | $99 |
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