Citadel Mastercard Disclosures

Citadel
Cash Rewards 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 Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board.
 Fees  
Transaction Fees:
  • Cash Advance Fee
  • Foreign Transaction Fee
  • 3% of amount advanced ($10 minimum, $100 maximum)
    1.1% of transaction amount in U.S. dollars.
    Penalty Fees:
  • Late Fee
  • Returned Check Fee
  • $25.00
    $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.


    Citadel
    Rewards Mastercard®
    Agreements & Disclosures

     Interest Rates and Interest Charges  
    Annual Percentage Rate (APR) for Purchases Your APR will be 9.99-17.99% 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 9.99-17.99% 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 Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board.
     Fees  
    Transaction Fees:              
  • Cash Advance Fee
  • Foreign Transaction Fee
  • 3% of amount advanced ($10 minimum, $100 maximum)
    1.1% of transaction amount in U.S. dollars.
    Penalty Fees:
  • Late Fee
  • Returned Check Fee
  • $25.00
    $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. 


    Citadel
    Choice Mastercard®
    Agreements & Disclosures

     Interest Rates and Interest Charges  
    Annual Percentage Rate (APR) for Purchases Your APR will be 8.24-17.99% 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 8.24-17.99% 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 Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board.
     Fees  
    Transaction Fees:              
  • Cash Advance Fee
  • Foreign Transaction Fee
  • 3% of amount advanced ($10 minimum, $100 maximum)
    1.1% of transaction amount in U.S. dollars.
    Penalty Fees:
  • Late Fee
  • Returned Check Fee
  • $25.00
    $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 balance on card. Please refer to your statement for your APR.


    Citadel
    World Mastercard®
    Agreements & Disclosures

     Interest Rates and Interest Charges  
    Annual Percentage Rate (APR) for Purchases Your APR will be 11.49-17.99% 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 11.49-17.99% 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 Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board.
     Fees  
    Transaction Fees:              
  • Cash Advance Fee
  • 3% of amount advanced ($10 minimum, $100 maximum)
    Penalty Fees:
  • Late Fee
  • Returned Check Fee
  • $25.00
    $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 balance on card. Please refer to your statement for your APR.