Credit Cards

Limited Time Offer: Get a low 1.99% introductory APR* for six months on purchases and balance transfers on all Citadel credit cards. After six months, enjoy go-to APRs as low as 8.24%. Take advantage of a generous Balance Transfer Bonus up to $300** on all credit cards with no Balance Transfer fees. Compare the features of Citadel’s credit cards to find the one that offers you the convenience, rewards, and low rates that meet your everyday needs.

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  • Citadel Cash Rewards Credit Card

    At a Glance:

    Earn while you spend! Citadel’s Cash Rewards MasterCard® pays you for every $1 spent. Earn 1.5% cash back on everyday purchases.

    Rates as Low as:

    1.99%

    INTRO

    Features:

    Cash Back Rewards; Low Intro APR for 6 Months; Save on Fees

    Apply Online
  • Citadel Rewards MasterCard

    At a Glance:

    Enjoy the best credit card rewards with the Citadel Rewards MasterCard® and a low fixed rate. Our rewards card comes with no annual fee or balance transfer fee. Start earning rewards today!

    Rates as Low as:

    1.99%

    INTRO

    Features:

    Robust Rewards; Low Intro APR for 6 Months; Save on Fees

    Apply Online
  • Citadel Choice MasterCard

    At a Glance:

    Citadel’s Choice MasterCard® offers our lowest rate with no annual fee or balance transfer fee. Great for those interested in balance transfers and carrying a balance.

    Rates as Low as:

    1.99%

    INTRO

    Features:

    Generous Credit Limits; Low Intro APR for 6 Months; No Annual Fees

    Apply Online
  • Citadel World MasterCard

    At a Glance:

    Citadel World MasterCard® holders enjoy some of the best rewards for travelers. Earn double rewards points on hotels, airlines, and restaurants with no foreign transaction fees.

    Rates as Low as:

    1.99%

    INTRO

    Features:

    Double Points; No Foreign Transaction or Annual Fees; Low Intro APR for 6 Months

    Apply Online

*Agreements and Disclosures

View *Agreements and Disclosures

*APR=Annual Percentage Rate. Special Introductory APR for new Citadel MasterCard® accounts only; not available on current MasterCard® accounts or balances. Introductory APR valid for six months from account opening date; after that and depending on credit criteria APR will be a variable rate of 8.24 – 17.99% for Choice, 12.24 – 17.99% for Cash Rewards, 11.24 – 17.99% for World and a fixed rate of 9.99 – 17.99% for Rewards. Rates Accurate as of . We calculate your variable rate by adding a margin of 3.99 – 14.99% to the Prime Rate. Prime Rate 4.5% as of 12/21/2017. The result is your APR. Offer subject to credit approval. 1.1% Foreign transaction fee applies for transactions initiated in foreign currencies. Cash advance fee is 3% of amount advanced ($10 minimum, $100 maximum). Late fee is $25.00. Returned Check Fee is $25.00.


**Balance Transfer Bonus: We will credit your primary Citadel savings account with 3% of the amount of balance transferred from a non-Citadel credit card, up to a maximum credit of $300 within any 12 month period. Credit will be made within 60 days from date of the transfer. Account must be active and in good standing at the time the funds are deposited. Minimum transfer amount is $500. Offer valid for new and existing Citadel MasterCard® credit card customers. No balance transfer fees. Ask for full details. Offer may be withdrawn at any time.


Applicant must be at least 18 years of age.