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Which Credit Card is Right For You?

Answer a couple quick questions and we'll match the credit card that best fits your needs!

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Cash Rewards Mastercard

Looking for a credit card with cash back? With the Citadel Cash Rewards Mastercard®, enjoy 1.5% cash back on your everyday purchases, a generous credit limit, enhanced security and protection, and a low annual percentage rate. Earn even more cash back on your credit card when you shop at our Cash Rewards Mall. In addition, Cash Rewards can be easily deposited right into your Citadel checking or savings account! Open a Citadel Cash Rewards Mastercard and start earning rewards today!

No Annual Fee

Pay no annual fee or balance transfer fees.*

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1.5% Cash Back on all Purchases

Earn 1.5% cash back for every $1 spent on purchases. Cash rewards can be deposited right into your Citadel checking or savings account.

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Easy Redemption

Redeem cash back easily and conveniently using Online and Mobile banking.

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Cash Rewards Mastercard Rate

AS LOW AS
11.24%APR
1.5% Cash Rewards Mastercard
variable APR

Additional Features

  • Earn even more cash back when you shop at our Cash Rewards Mall
  • Mastercard $0 Liability Protection
  • Control your cards anytime with Card Control. 
  • Keep your card information updated for automatic payments with Mastercard Automatic Billing Updater
  • Cash rewards can be deposited right into your Citadel checking or savings account
  • No Balance Transfer Fees. Learn More.
  • Works with all of Citadel's suite of Digital Wallets for on-the-go-purchases
  • Generous credit limits
  • 25-day grace period on purchases
  • ID theft resolution
  • Mastercard Global Service for lost or stolen cards
  • Cash access
  • View the Full Mastercard Guide to Benefits for more!

Are you a small-business owner? This card is also available as a business credit card.

Best For...
Those looking to earn cash back on every purchase

Balance Transfer Calculator

You might realize significant monthly interest savings by transferring your higher rate credit card balances to a lower rate credit card. Use this balance transfer calculator to help determine those potential savings.

Start Calculator

Current Credit Cards

Current Balance($)

$0 $30,000

Current Rate(%)

0% 40%

Intro Rate(%)

0% 5%

Intro Term

0 120
Add Another

Select a Card to Transfer to

  • Regular Rate: 11.24%
  • Annual Fee : 0%
  • Transfer Fee Percent: 0%
  • Transfer Fee Minimum: $0
Calculate Savings

Make purchases quickly and securely with Citadel’s suite of Digital Wallets.

Learn More

Fees

$0

Annual fee

$0

Balance transfer fee

5.0%

Up to 5.0% cash advance fee (% of amount advanced; $10 minimum)

1.1%

Foreign transaction fee (% of transaction amount in U.S. Dollars)

$35

Up to $35 Late fee

$25

Up to $25 Returned check fee

Security

  • Your Citadel Mastercard carries EMV chip technology for greater protection against unauthorized use.

  • Our $0 liability guarantee helps protect you from fraudulent charges.

  • Automated fraud alerts can notify you about possible fraudulent activity on your account. Learn more.

  • Communicate with us securely through our Online Banking secure messaging system.

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Find an ATM or Branch Near You

Frequently Asked Questions

Can I use my Citadel Mastercard with Apple Pay?

Yes, all Citadel Credit Cards are eligible for Apple Pay in addition to several other Digital Wallet Products. Learn more about setting up your card with our Digital Wallet partners.

How can I avoid fraud on my debit or credit card?

A few preventative measures you can take:

  • Treat your debit and credit cards like cash and always keep them in a safe place
  • Keep your PIN a secret and do not share it with anyone
  • Memorize your PIN and never write it on your card, store it with your card, or let someone else enter it for you
  • For added security, Citadel encourages debit card users to sign for safety and choose “credit” as their preferred transaction method when asked “debit or credit” at the check-out counter, eliminating any possibility of someone obtaining your PIN as you enter it
  • Do not disclose your PIN over the telephone, email or Internet; no one needs to know your PIN, not even your financial institution
  • Report a lost or stolen card immediately to reduce the chance that it will be used improperly and limit your potential liability for unauthorized transactions
  • Review your account statements monthly and report any errors (including transactions you believe may be unauthorized) right away
Do all Citadel Credit Cards come with the EMV chip?
Yes, Citadel is committed to the security of your Credit Card transactions. A chip transaction adds another layer of security to cards by requiring the chip to produce a single-use code to validate the transaction, further protecting your card from unauthorized use. This process makes your chip card information more difficult to steal and therefore makes your chip card more difficult to counterfeit.
How do I earn points with my Citadel Cash Rewards Credit Card?

With Citadel’s Cash Rewards Credit Card, you will earn 1.5% cash back for every $1 spent on purchases. Earn even more cash back with your Citadel Cash Rewards Mastercard when you shop at our Cash Back Mall. Easily redeem a specific amount or all of your available cash back at once.

How can I check my Rewards Points?

The easiest way to check your rewards points is to log in to Online or Mobile Banking and select, ‘Manage Cards’ from the main menu and select 'Rewards' from the dropdown. Next, select your card number and the Rewards Points page will open in a new window.

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.