Due to industry-wide card production delays, there are longer than normal wait times for mailed debit/credit cards. New debit cards can be instantly issued in our branches. We apologize for any inconvenience as we work to ensure the issue is permanently resolved.

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How do I earn points?

Frequently Asked Question

You earn points simply by using your Citadel Mastercard. The breakdown for each type of card is:


  • Rewards Mastercard: 1 point for every $1 spent.
  • World Mastercard: 1 point for every $1 spent; 2 points for every $1 spent on hotel, airlines and restaurants.
  • Business Mastercard:  2 points for every $1 spent on gas and office supplies; 1.5 points for every $1 spent on other purchases.