Compare Credit Cards

Compare the features of Citadel Mastercards to find the one that offers you the convenience, rewards, and low rates that meet your everyday needs. Citadel offers credit cards with low APR, cash rewards, and rewards for travel and entertainment. Plus enjoy no balance transfer fees, no matter which credit card you choose.

To learn more about Citadel's low APR credit cards, credit card offers and much more contact us today!

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  • World Mastercard

    At a Glance:

    Earn double rewards points on hotels, airlines, and restaurants. Exclusive benefits for cardholders, such as Free WIFI, Trip Cancellation and Car Rental Insurance all with no annual fee or balance transfer fee.

    Rates as Low as:




    No Annual Fee; Earn 2 Points for every $1 spent on Travel & Dining, and 1 Point per $1 on all other Purchases; No Foreign Transaction Fees

    Apply Online
  • Cash Rewards Mastercard

    At a Glance:

    Automatically earn 1.5% cash back on every dollar you spend everywhere! Cash Rewards can be deposited right into your checking or saving account. All with no annual fee or balance transfer fee.

    Rates as Low as:




    No Annual Fee; 1.5% Cash Back on all Purchases; Easy Redemption

    Apply Online
  • Rewards Mastercard

    At a Glance:

    Earn Unlimited rewards for every dollar you spend with a low fixed rate and no annual fee or balance transfer fee. Redeem your rewards for gift cards, travel, merchandise and even cash.

    Rates as Low as:




    No Annual Fee; Fixed Rate; Earn 1 Point for Every $1 Spent on all Purchases

    Apply Online
  • Choice Mastercard

    At a Glance:

    Our lowest rate card. Perfect for those building credit or looking for a low APR credit card with no annual fee or balance transfer fee.

    Rates as Low as:




    No Annual Fees; Low Credit Card Rates; No Penalty Rate

    Apply Online

Learn more about Citadel's Low APR credit cards today!

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Hear From Our Customers

Frequently Asked Questions

Does Citadel offer credit cards with no transfer fee?
There are no balance transfer fees for any of our credit cards.
Does Citadel offer a zero balance transfer credit card?
Citadel does offer fee-free balance transfers for all of our cards. The APR is the same for purchases or balance transfers - it is determined by the type of card product.
Are all Citadel cards Mastercard credit cards?
Yes, all of our credit cards are managed by Mastercard. We also offer debit cards that are managed by Mastercard and can be swiped as credit.

Still have questions? Visit our help center.

*Agreements and Disclosures

View *Agreements and Disclosures

All Mastercard Accounts

*Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 7.24% - 17.99% APR, based on product and 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 up to 5% of amount advanced ($10 minimum). Late fee is up to $35.00. Returned Check Fee is up to $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 agreement. All terms, including fees and APRs for new transactions, may be subject to change. See Terms and Conditions for details.

All Credit Card Rewards Offers

Rewards are earned on purchases minus any credits or returns (“net purchases”).

Cash advances and balance transfers are not considered purchases and will not earn rewards.

For category bonus rewards, merchants are assigned a merchant category code by the merchant or its processor in accordance with Mastercard procedures based on the kinds of products and services the merchant primarily sells. Citadel does not control the assignment of these codes and is not responsible for the codes used by merchants. You may expect a purchase to earn rewards within a category, but if the code assigned to the merchant isn’t within that category, your purchase will not qualify for the bonus points. In addition, some purchases made through third-party accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology may not qualify in a rewards category, depending on how the technology is setup to process the purchase.

Cash Rewards Mastercard

Earn 1.5% cash back on net purchases.

Rewards Mastercard

Earn 1 point for every $1 spent on net purchases.

World Mastercard

Earn 2 points for every $1 spent on hotels, restaurants, and airlines, and 1 point on every $1 spent on all other purchases.

Offers may be modified or withdrawn at any time. Ask for full details.