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. Or, take advantage of a generous Balance Transfer Bonus up to $300* on all credit cards with no balance transfer fees.

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

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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:

    9.24%

    APR

    Features:

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

    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:

    13.24%

    APR

    Features:

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

    Apply Online
  • 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:

    12.24%

    APR

    Features:

    No Annual Fee; Premium Travel and Dining Rewards; No Foreign Transaction Fees

    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:

    9.99%

    APR

    Features:

    No Annual Fee; Fixed Rate; Earn Points for all Purchases

    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

*Information accurate as of and is subject to change without notice. See products pages for additional information. APR=Annual Percentage Rate. APY=Annual Percentage Yield. Interest rates vary based upon product and credit worthiness. Variable APR is an interest rate that can vary with the market based on the Prime Rate. All terms, including fees and APRs for new transactions, may be subject to change.


*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.


Applicants must be at least 18 years of age.