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Citadel Mastercard Disclosures
Citadel Cash Rewards Mastercard® Agreements & Disclosures
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases | Your APR will be 16.49%-17.99% based upon your creditworthiness. The APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers and for Cash Advances | Your APR will be 16.49%-17.99% based upon your creditworthiness. The APR will vary with the market based on the Prime Rate. |
| How to Avoid Paying Interest | Your due date is 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Interest is charged on cash advances and balance transfers from the date the advance is made. |
| For Credit Card Tips From The Consumer Financial Protection Bureau | To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau. |
| Fees | |
| Transaction Fees:
|
5% of amount advanced ($10 minimum) $0 (0% of the transferred balance amount in U.S. dollars) A fee of 1.1% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash withdrawals and credits to your account.* |
| Penalty Fees:
|
Up to $35.00 $25.00 |
How We Will Calculate Your Balance: We use a method called the “Average Daily Balance (including new purchases).”
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. The information about the costs of the card described is accurate as of . This information may have changed after that date. To find out what may have changed, call us at (800) 666-0191. Your APR may change on a monthly basis. The APR is established using The Wall Street Journal Prime Rate 10 days prior to the end of the month and changes on the first of the following month. We calculate your rate by adding a margin of 7.99% -14.99% to the Prime Rate. The result is your APR. There is no limit on the amount by which your APR will increase at one time, but it will never be greater than 17.99% APR. Rate changes may result in an increase in the minimum payment or an increase in time it will take to pay off the balance on card. Please refer to your statement for your APR.
*A foreign transaction is any transaction that you complete, or a merchant completes on your card outside of the United States, and are considered foreign transactions, regardless of whether you are located inside or outside the United States at the time of the transaction.
To view the full Mastercard Guide to Benefits, visit: CitadelBanking.com/CashRewardsGTB.
Citadel Choice Mastercard® Agreements & Disclosures
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases | Your APR will be 12.49%-17.99% based upon your creditworthiness. The APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers and for Cash Advances | Your APR will be 12.49%-17.99% based upon your creditworthiness. The APR will vary with the market based on the Prime Rate. |
| How to Avoid Paying Interest | Your due date is 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Interest is charged on cash advances and balance transfers from the date the advance is made. |
| For Credit Card Tips From The Consumer Financial Protection Bureau | To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau. |
| Fees | |
| Transaction Fees:
|
5% of amount advanced ($10 minimum) $0 (0% of the transferred balance amount in U.S. dollars) A fee of 1.1% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash withdrawals and credits to your account.* |
| Penalty Fees:
|
Up to $35.00 $25.00 |
How We Will Calculate Your Balance: We use a method called the “Average Daily Balance (including new purchases).”
Billing Rights: : Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.The information about the costs of the card described is accurate as of . This information may have changed after that date. To find out what may have changed, call us at (800) 666-0191. Your APR may change on a monthly basis. The APR is established using The Wall Street Journal Prime Rate 10 days prior to the end of the month and changes on the first of the following month. We calculate your rate by adding a margin of 3.99% -14.99% to the Prime Rate. The result is your APR. There is no limit on the amount by which your APR will increase at one time, but it will never be greater than 17.99% APR. Rate changes may result in an increase in the minimum payment or an increase in time it will take to pay off the balance on card. Please refer to your statement for your APR.
*A foreign transaction is any transaction that you complete, or a merchant completes on your card outside of the United States, and are considered foreign transactions, regardless of whether you are located inside or outside the United States at the time of the transaction.
To view the full Mastercard Guide to Benefits, visit: CitadelBanking.com/ConsumerGTB.
Citadel World Mastercard® Agreements & Disclosures
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases | Your APR will be 15.49%-17.99% based upon your creditworthiness. The APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers and for Cash Advances | Your APR will be 15.49%-17.99% based upon your creditworthiness. The APR will vary with the market based on the Prime Rate. |
| How to Avoid Paying Interest | Your due date is 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Interest is charged on cash advances and balance transfers from the date the advance is made. |
| For Credit Card Tips From The Consumer Financial Protection Bureau | To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau. |
| Fees | |
| Transaction Fees:
|
5% of amount advanced ($10 minimum) $0 (0% of the transferred balance amount in U.S. dollars) $0 (0% of the Foreign Transaction balance amount in U.S. dollars) |
| Penalty Fees:
|
Up to $35.00 $25.00 |
How We Will Calculate Your Balance: We use a method called the “Average Daily Balance (including new purchases).”
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. The information about the costs of the card described is accurate as of . This information may have changed after that date. To find out what may have changed, call us at (800) 666-0191 . Your APR may change on a monthly basis. The APR is established using The Wall Street Journal Prime Rate 10 days prior to the end of the month and changes on the first of the following month. We calculate your rate by adding a margin of 6.99% -14.99% to the Prime Rate. The result is your APR. There is no limit on the amount by which your APR will increase at one time, but it will never be greater than 17.99% APR. Rate changes may result in an increase in the minimum payment or an increase in time it will take to pay off the balance on card. Please refer to your statement for your APR. To view the full Mastercard Guide to Benefits, visit: CitadelBanking.com/WorldGTB
Citadel Business Rewards Mastercard® Agreements & Disclosures
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases |
Your APR will be 16.49%-17.99% based upon your creditworthiness. The APR will vary with the market based on the Prime Rate |
| APR for Balance Transfers and for Cash Advances |
Your APR will be 16.49%-17.99% based upon your creditworthiness. The APR will vary with the market based on the Prime Rate. |
| How to Avoid Paying Interest | Your due date is 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Interest is charged on cash advances and balance transfers from the date the advance is made. |
| For Credit Card Tips From The Consumer Financial Protection Bureau | To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau. |
| Fees | |
| Transaction Fees:
|
5% of amount advanced ($10 minimum) $0 (0% of the transferred balance amount in U.S. dollars) A fee of 1.1% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash withdrawals and credits to your account.* |
| Penalty Fees:
|
Up to $35.00 $25.00 |
How We Will Calculate Your Balance: We use a method called the “Average Daily Balance (including new purchases).”
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. The information about the costs of the card described is accurate as of . This information may have changed after that date. To find out what may have changed, call us at (800) 666-0191 . Your APR may change on a monthly basis. The APR is established using The Wall Street Journal Prime Rate 10 days prior to the end of the month and changes on the first of the following month. We calculate your rate by adding a margin of 7.99%-14.99% to the Prime Rate. The result is your APR. There is no limit on the amount by which your APR will increase at one time, but it will never be greater than 17.99% APR. Rate changes may result in an increase in the minimum payment or an increase in time it will take to pay off the balance on card. Please refer to your statement for your APR.
*A foreign transaction is any transaction that you complete, or a merchant completes on your card outside of the United States, and are considered foreign transactions, regardless of whether you are located inside or outside the United States at the time of the transaction.
To view the full Mastercard Guide to Benefits, visit: CitadelBanking.com/BusinessGTB
