Scam Alert: We are aware of scammers impersonating Citadel representatives by phone, text, and in-person visits. Citadel will never ask for your PIN or sensitive information, never instruct you to cut up your debit or credit card AND keep the chip intact, and never send anyone to your home to retrieve a card. If you receive a call, text, or visit claiming otherwise, it is a scam. Call 800-666-0191 immediately.

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How do I earn business points?

Frequently Asked Question

You earn points simply by using your Citadel Business Rewards Mastercard. The breakdown is below:


2 points for every $1 spent on gas and office supplies; 1.5 points for every $1 spent on other purchases. The following types of transactions will not earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind.

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