Unlimited 1.5% Cash Back and our Lowest Intro Rate

For a limited time, enjoy an intro rate as low as 1.99% APR* on purchases and balance transfers. Rates are 12.24% to 17.99% Variable APR after six months.

Citadel Cash Rewards Credit Card

Get cash back on your everyday purchases with the Citadel Cash Rewards MasterCard. Earn cash back faster while enjoying a credit card that offers unlimited 1.5% cash back on your everyday purchases, an intro rate for six months as low as 1.99% APR*, no annual fee, a generous credit limit, enhanced security and protection, and a Balance Transfer Bonus up to $300** with no fees.

Cash Back Rewards

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

product-credit-card-icon

Low Intro APR for 6 Months

Enjoy an APR* as low as 1.99% for six months and a 12.24 - 17.99% variable APR thereafter.

product-percentage-icon

Save on Fees

Pay no annual fee or balance transfer fees.*

product-save-pig-icon

Additional Features

  • Earn even more cash back when you shop at our Cash Rewards Mall
  • Intro Rate as Low as 1.99% APR* for 6 months
  • Cash rewards can be deposited right into your Citadel checking or savings account
  • Qualify for a Balance Transfer Bonus up to $300**
  • 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
  • Extended warranty on select purchases
  • MasterCard Global Service for lost or stolen cards
  • Price protection
  • Cash access

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

Cash Rewards MasterCard Rate

AS LOW AS
1.99%INTRO
12.24%APR
1.5% Cash Rewards MasterCard
variable APR

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: 12.24%
  • 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

3%

Cash advance fee (% of amount advanced; $10 minimum, $100 maximum)

1.1%

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

$25

Late fee

$25

Returned check fee

Security

  • Your Citadel Debit 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.

detail-security-icon

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.

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 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, ‘Rewards’ from the menu. Then, select your card number and the Rewards Points page will open in a new window. 

If you are not an Online Banking user you can visit our Rewards Points partner directly and create an account to review and redeem your points.

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 Rewards MasterCard when you shop at our Cash Back Mall. Easily redeem a specific amount or all of your available cash back at once.

Still have questions? Visit our help center.

Find an ATM or Branch Near You

*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 12.24 - 17.99% for Cash 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. See Terms and Conditions for details.


**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.