Been with Citadel Since Age 13
“I’ve been with Citadel since I was 13 and had my first job. Now I use them for my car loans and credit cards, and I will probably use them when I buy my first house. I love Citadel!”
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!
*Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.
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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:
10.24%
APR
Features:
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
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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:
11.24%
APR
Features:
No Annual Fee; 1.5% Cash Back on all Purchases; Easy Redemption
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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:
9.99%
APR
Features:
No Annual Fee; Fixed Rate; Earn 1 Point for Every $1 Spent on all Purchases
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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:
7.24%
APR
Features:
No Annual Fees; Low Credit Card Rates; No Balance Transfer Fee
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Learn more about Citadel's Low APR credit cards today!
Get StartedHear From Our Customers
Citadel Customers For Over 18 Years
“My wife and I have been Citadel customers for over 18 years. When we moved to Brazil to work as missionaries in 2017, it was very difficult to make ATM withdrawals and credit card transactions. Deneen and Whitney, in the Call Center, went beyond the extra mile to help us get our accounts working. They stayed on the phone until everything worked. We were so thankful, we visited the corporate office when we were home and actually met them. We will always bank at Citadel, they are truly like family.”
My word for Citadel is WOW!
“My word for Citadel is WOW! I already had my Honda financed through Citadel and was looking to consolidate some of my credit cards. No one out there would help me until Citadel. Once that was finalized it was one WOW after another! After being with my previous bank for 20 years, I was hooked and changed banks completely. Every time I come in, I am among friends and people are so eager to assist me. Since my change to Citadel, my credit score has skyrocketed. In my humble opinion, Citadel changed my financial world.”
Introducing Citadel Video Connect
Chat face-to-face with a Citadel Video Specialist in a secure environment from the comfort of home on your laptop, desktop computer, or mobile device using the Citadel Video Connect app. Please be sure to have your photo ID ready prior to beginning the call. Choose Video Connect above, or learn more about our Video Banking options.
Frequently Asked Questions
What types of credit card offers does Citadel currently have?
Citadel offers a Choice Mastercard, Rewards Mastercard, Cash Rewards Mastercard and a World Mastercard.
Does Citadel offer credit cards with no transfer fee?
There are no balance transfer fees for any of our credit cards.
Does Citadel offer credit cards with low APR?
Our lowest APR credit card is our Choice MasterCard.
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
*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 11.24%-17-99% for Cash Rewards Mastercard, APR will be a variable rate of 10.24%-17.99% for World Mastercard, APR will be a variable rate of 7.24% - 17.99% for Choice Mastercard, and APR will be a variable rate of 11.24% - 17.99% for Business Rewards 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 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 set up to process the purchase.
For Bonus Reward Offers
Bonus offer for new credit lines only. Limit one new account bonus per credit line per promotional period. Net purchases on all cards linked to a credit line will be included in net purchase total calculation for bonus eligibility. Account must be in good standing at time of bonus posting. Credit line must be open for 90 days before bonus will be awarded. Bonus will be posted to primary card within 60 days of end of promotional period.
Rewards Mastercard
Earn 1 point for every $1 spent on net purchases.
Cash Rewards Mastercard
Earn 1.5% cash back 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.
