Enjoy Our Lowest Intro Rate for 6 Months

For a limited time, enjoy an intro rate as low as 1.99% APR* on purchases and balance transfers. Rates are 8.24% to 17.99% Variable APR after six months.

Citadel Choice MasterCard

Carry a balance or take advantage of a low APR with the Citadel Choice MasterCard. Save more with a credit card that offers an intro rate for six months as low as 1.99% APR*, a generous credit limit, and enhanced security and protection. Reach your goals faster with a Balance Transfer Bonus up to $300** and pay no Balance Transfer or annual fees.

Generous Credit Limits

Enjoy a generous credit limit with up to $300 Balance Transfer Bonus.*


Low Intro APR for 6 Months

Enjoy an APR* as low as 1.99% for six months and a 8.24 - 17.99% variable APR thereafter.


No Annual Fees

Enjoy $0 Annual Fee every year you have your Citadel Choice MasterCard. No Balance Transfer Fees*.


Additional Features

  • Intro Rate as Low as 1.99% APR* for 6 months and a 8.24 - 17.99% Variable APR thereafter
  • Up to $300 Balance Transfer Bonus** & No Balance Transfer Fees
  • Works with all of Citadel's suite of Digital Wallets for on-the-go-purchases
  • 25-day grace period on purchases
  • ID theft resolution
  • Internet-safe shopping
  • 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...
Carrying a balance
Balance transfers

Choice MasterCard Rate

Choice 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



Annual fee


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


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


Late fee


Returned check fee


  • 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.


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.

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.

What should I do if my card gets lost or stolen?

Contact Citadel immediately to report your card lost or stolen at (800) 666-0191.

Still have questions? Visit our help center.

*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 8.24 - 17.99%. 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.