Mastercard Rewards FAQs

Mastercard Rewards Frequently Asked Questions

Review our frequently asked questions below to get quick answers and tips on using Mastercard Rewards.

Mastercard Rewards Frequently Asked Questions

How do I earn points?

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.
Do points expire?

All card rewards have a 5 year expiration date. Rewards will expire on 12/31 of their 5th full year of life. For example, a point is earned in 2007. It's first year towards the 5 year expiration date is 2008, and will expire on 12/31/2012.


Debit card rewards will remain available for redemption until they reach the expiration date.

Can I transfer or give away my points?
Customers can transfer points to other Citadel Mastercard Rewards cardholders by transferring points between Mastercard Rewards accounts. You can do this from the Mastercard Rewards site by clicking on Transfer Points. Complete the requested information and click next to complete the transfer.  
How do I redeem for cash back?
Cash is just one of the great redemption options available.  You can redeem for cash from the Mastercard Reward site by clicking on Pay with Rewards, then selecting Statement Credit. You can set up a recurring, automatic redemption or request a one time statement credit. 
Will I be able to see points for all of my cards in one place?

Yes, any points associated to a card linked to your SSN will be viewable once you select My Mastercard Rewards in Online and Mobile Banking. You will also see points for any authorized users you have added to your account. Any points earned on a joint owner’s card will be viewable by the joint cardholder only.  

Are there booking fees?
There are no booking fees when booking travel through Mastercard Rewards.
 
Can authorized users earn rewards points for my rewards account?
Yes, authorized users can earn rewards points for the account. The primary cardholder is able to view and redeem these points.
Do I have to redeem all of my points before the conversion to the new system?
No, all points that have not been redeemed will be converted to the new system. There will be a period of time that you will not be able to redeem points while the points are being moved from one system to another but you will earn points during this period. 
How do I access my Mastercard Rewards account?
Log into Online and Mobile banking and click on Manage Cards-Rewards on the left navigation to view and redeem your reward points. 
 
What happens if my card is lost, stolen, or expires?
You will continue to have access to your existing point balance and points earned with your new card will continue to be added to your existing Mastercard Rewards account.
 
Is there an additional fee for Mastercard Rewards and Pay with Rewards?
No, there is no additional fee to participate in Mastercard Rewards or use Pay with Rewards. It’s one of the many benefits of being a Citadel cardholder.
How will my points translate into a statement credit through Pay with Rewards?
The Pay with Rewards mobile app features a rewards calculator that lets you determine the cash value of your points. You’ll simply apply points—and their cash value—to the future transaction of your choosing.
What is Mastercard Rewards?
Mastercard Rewards is a free loyalty program available to all Citadel cardholders. Mastercard Rewards provides the ultimate choice in rewards—merchandise, gift cards, travel— along with Pay with Rewards™ which allows you to pay with points anywhere Mastercard is accepted.
Will authorized users be able to use or redeem the rewards points?
No, only primary and joint owners will be able to redeem points.
How is Mastercard Rewards different than Pay with Rewards?
Mastercard Rewards is the overarching rewards program offered through Citadel. Pay with Rewards is part of Mastercard Rewards and gives you the flexibility to use your points to pay for purchases online and in stores instantly.
When I book a flight in the travel website and use my card to pay, how will the Merchant appear on my credit card statement?
The Merchant of record, Connexions Loyalty Travel Solutions, LLC is located in the United States. This transaction will appear as "CL *Trip Charges" on your statement.
Which transactions earn points?

You earn reward points for ALL purchase activity with the exception of the transactions identified below:


  • Betting including lottery, gaming, chips, track wagers
  • Manual or automated cash disbursements at any financial institution
  • Money transfer agent or wire transfer
  • Foreign currency/quasi-cash at a non-financial institution
  • Tax Payments
  • Truck stop transactions
Where can I go for a more detailed explanation of Mastercard Rewards?
For additional information regarding your reward points, please visit our Credit Cards Rewards page for more information.
 
Are there airline restrictions when redeeming for travel?
You can book flights on any major US airline through Mastercard Rewards.
 
Can Pay with Rewards be used at any merchant?

Pay with Rewards can be used anywhere Mastercard is accepted. By using the Pay with Rewards mobile app, you can determine how many points you’d like to redeem, along with where and when you’d like to redeem them.

The following merchants do not qualify for Pay with Rewards: hotels, car and truck rental agencies, gas stations, and cruise ships. Please refer to the Terms & Conditions for additional information.

What happens if my credit is revoked or I close my credit card account?
If your account is closed by you or by us for any reason, any outstanding point balances will be forfeited.
Are there blackout dates when redeeming for travel?
There are no blackout dates associated with Mastercard Rewards. We cannot guarantee that any given date will be available with any specific airline, but our booking process allows redemption without blackout restrictions.
 
What is cash back?
Cash back can be a statement credit to the card associated with your Mastercard Rewards account.