Which Credit Card is Right For You?
Answer a couple quick questions and we'll match the credit card that best fits your needs!
How do you plan on using your card?
What card benefit is most important to you?
Choice Mastercard
Like all Citadel credit cards, the Choice Mastercard features a low APR, a generous credit limit, and enhanced security and protection. Take control of your finances and enjoy no Balance Transfer or Annual Fees. In addition, utilize your Choice Mastercard on-the-go with Citadel's suite of Digital Wallets for easy, convenient transactions. As always, Citadel strives to maintain low interest rate credit cards while keeping the customer top of mind.
No Annual Fees
Enjoy $0 Annual Fee every year you have your Citadel Choice Mastercard. No Balance Transfer Fees*.
Low Credit Card Rates
The Choice Mastercard features our lowest rate, great for carrying a balance and balance transfers.
No Penalty Rate
Spend without worry while using your Citadel Choice Mastercard.
Choice Mastercard Rate
Additional Features
- Control your cards anytime with Card Control.
- Mastercard $0 Liability Protection
- No Balance Transfer Fees. Learn More.
- Works with all of Citadel's suite of Digital Wallets for on-the-go-purchases
- Keep your card information updated for automatic payments with Mastercard Automatic Billing Updater
- 25-day grace period on purchases
- ID theft resolution
- Internet-safe shopping
- Mastercard Global Service for lost or stolen cards
- Cash access
- View the Full Mastercard Guide to Benefits for more!
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.
Current Credit Cards
Add AnotherSelect a Card to Transfer to
- Regular Rate: 12.74%
- Annual Fee : 0%
- Transfer Fee Percent: 0%
- Transfer Fee Minimum: $0
Make purchases quickly and securely with Citadel’s suite of Digital Wallets.
Learn MoreFees
$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.
Related Deals and Offers
Find an ATM or Branch Near You
Frequently Asked Questions
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.
Contact Citadel immediately to report your card lost or stolen at (800) 666-0191.
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
Still have questions? Visit our help center.
*Agreements and Disclosures
Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate.
0% Introductory APR for nine months for qualified applicants. Standard rates ranging from 8.74% to 17.99% APR, based upon your creditworthiness. After introductory period, Standard APR will apply.
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. All terms, including fees and APRs for new transactions, may be subject to change. See Terms and Conditions for details.
Ask for full details. Offers may be withdrawn at any time.
