An Easier Way to Pay — Built for You

Contactless cards make everyday purchases easier, faster, and more secure. Simply Tap & GoTM at checkout.

Contactless Payments

Experience a faster and more secure way to pay with your contactless Citadel Mastercard. It’s easy — tap to pay at millions of stores worldwide.

Important Information for Existing Cardholders
Explore How It Works
Frequently Asked Questions

Built for Security, Speed, & Convenience

Enjoy all of the great benefits you’re used to, plus:

Greater Security

With built-in, EMV-grade chip security, you can enjoy safe and secure contactless payments.

lock, security

Faster Checkouts

Check out 10x faster* with your Citadel Mastercard when you’re on-the-go.

credit card machine

Safety & Convenience

Touch fewer surfaces– simply look for the contactless symbol where you shop and tap your card to pay.

contactless icon

Important Information for Existing Cardholders:

Over the next few months, we’ll start to reissue new contactless credit and debit cards to existing Citadel cardholders. Watch your mailbox and email for updates on when you’ll receive your new card(s).

As you receive your new card(s), please be aware of the following important information:

✔ Your card number will remain the same, but it will be on the back of the card.
✔ The expiration date & CVV code will change.
✔ Your existing card will remain active until you activate your new card, or until it expires.
✔ After you activate your new card(s), you’ll need to update any existing automatic payments you have set up.

Helpful Tip: When making purchases with your new debit or credit card, some merchants may prompt you to enter your PIN. When activating your card, please be sure to stay on the line to create your PIN.

You can set up or reset your PIN at any time by calling 1-866-985-2273 for your debit card or 1-888-886-0083 for your credit card.

How It Works:

➔ Look for the Contactless Symbol contactless cards at checkout. Don’t see the Contactless Symbol? No worries, you can still swipe or insert your card to pay.
➔ Tap your contactless card at the top of the terminal to pay.
➔ Your payment is processed in seconds.**

*GFK, “Mystery Shopping Study,” 2017
** The merchant may ask you to sign or enter your PIN.

Want a contactless Citadel credit card? Find the card that’s right for you.

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A safer, cleaner way to pay
Quick and easy checkout
Convenience when you’re on-the-go
Enhanced payment security

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Frequently Asked Questions About Contactless Payments

How safe are contactless transactions?
Your contactless card uses the latest chip security, so it is just as safe as inserting a chip card. When used at a chip-enabled terminal, it is protected by a one-time-use code that changes each time you use it.
What are the benefits of contactless payments?

Contactless payments are fast, easy, and convenient. Simply tap your contactless card on the Contactless Symbol at checkout to pay on-the-go. Just like transactions made with a chip card, each contactless card transaction is accompanied by a one-time code that protects your payment information.

You can still do everything you would do with any other credit or debit card, including adding a tip, getting cash back, and more.

What if a retailer doesn’t offer the contactless payment feature?

Not to worry. You can still use your contactless card at any EMV payment terminal by inserting your card, or by swiping your card at a magnetic stripe terminal. There will always be three ways to use your new card – tap, insert, or swipe.

Do I have to tap my debit or credit card on the contactless-enabled terminal?

No. You don’t have to physically tap your contactless card to the terminal. However, you will need to hold your card within 1-2 inches of the Contactless Symbol on the terminal.

What should I do if I'm prompted for my PIN and I don't know it?

If you don't have your PIN for your contactless card - don't worry! Some merchant terminals require a PIN to process debit and credit card transactions. When this occurs, simply insert your card and select the option to 'bypass PIN.'

You can set up or reset your PIN at any time by calling 1-866-985-2273 for your debit card or 1-888-886-0083 for your credit card.