This Offer Has Expired

We’re sorry, but this offer has expired. Please call (800) 666-0191 with any questions.

This Offer Has Expired

This offer has expired. To learn more, visit our Balance Transfer page.

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Balance Transfer Frequently Asked Questions

Are there any fees tied to Balance Transfers?

No. There are no Balance Transfer fees when you transfer your money from another financial institution. In addition, you can make unlimited Balance Transfers to your Citadel Mastercard.

What are the benefits of doing a Balance Transfer?

Balance Transfers are a great way to avoid interest and save you money when transferring your balance to a low APR credit card. This could help in many ways, for example, debt consolidation, additional credit card perks and simplifying your finances and monthly payments.

How do I do a Balance Transfer to my Citadel Mastercard?

Transferring balances to your Citadel Mastercard is simple! Log into Online & Mobile Banking. Select “Secure Forms” from the menu and then “Balance Transfer Request” from the list. From there, fill out the information to transfer your funds to your Citadel Mastercard.

Will I have to pay interest on my Balance Transfer?

Yes, you will have to pay interest on your Balance Transfer. Transfers to a Citadel Mastercard are treated as cash advances and will begin to accrue interest immediately.

Still have questions? Visit our help center.

Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. APR will be a fixed rate of 9.99%-17.99% for Rewards Mastercard, APR will be a variable rate of 16.49%-17.99% for Cash Rewards Mastercard, APR will be a variable rate of 15.49%-17.99% for World Mastercard, and APR will be a variable rate of 12.49%-17.99% for Choice Mastercard. All APRs are based on credit worthiness. See product pages for additional information. Offer subject to credit approval. Applicant must be at least 18 years of age. Variable APR is an interest rate that can vary with the market based on the Prime Rate. 1.1% Foreign transaction fee applies for transactions initiated in foreign currencies (excluding World Mastercard). Cash advance fee is 5% of amount advanced ($10 minimum). Late fee is up to $35.00. Returned Check Fee is $25.00. There is no transaction fee for transferring a balance; interest will accrue on any balance transfer in accordance with the Cardholder Terms and Conditions. All terms, including fees and APRs for new transactions, may be subject to change. See Terms and Conditions for details.

*1.5% ($400 Maximum) Balance Transfer Promotion. We will credit your primary Citadel savings account with 1.5% of the amount of balances transferred from a non-Citadel credit card(s). Maximum credit of $400 per card account during offer period. Cash back bonus deposit will be made within 90 days from the date of the transfer. Account must be active and in good standing at the time the funds are deposited. In order to receive the bonus, balances transferred to your Citadel card must remain on the card for a minimum of 45 days. Minimum transfer amount is $500. Offer valid to existing Citadel Mastercard credit card customers only. Transfer requests must be received 2 weeks prior to payment due date so that we can process your request. If you are not able to do this, please submit a minimum payment to the creditor in order to avoid any late payment penalties. Transfers to a Citadel Mastercard are treated differently than purchases; interest on balance transfers will begin accruing immediately. Citadel will not process any balance transfer requests that are from any other existing Citadel Loan. Offer not available for Business Accounts. Balance Transfer Cash Back Bonus Offer expires August 31, 2023 and may be modified or withdrawn at any time.