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Low APR, Great for Carrying a Balance
Choice Mastercard
*Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.
Looking for a balance transfer credit card or credit card for beginners that features generous credit limits and low rates to help build credit? With Citadel's Choice Mastercard, you can take control of your finances and pay off your balance sooner without wasting money on annual fees. Plus, you can add your card to mobile wallets like Apple Pay & Google Pay for quick, secure payments online and in stores.
Low APR
Low Rates from 10.74%-17.99% APR
With the lowest rates of all our credit cards from 10.74%-17.99% APR, this card is perfect for carrying or transferring a balance. We make it easier to build and maintain credit responsibly with lower rates that help you pay off your balance sooner.
Fewer Fees
No Annual Fee
With no annual fee, you’ll keep more money in your pocket to spend on necessities or put towards paying off your balance.
Perks & Benefits
Your Choice Mastercard® also comes with added perks and benefits, including:
- Merchant Offers & Discounts through SEPTA, MoviePass, & more
- Mastercard Travel & Experiences such as Expedia discounts & Airport Concierge
- Mastercard ID Theft Protection
- Mastercard $0 Liability Protection
- Secure, Contactless Payments
Apply for a credit card at Citadel.
Get StartedManage It All in Online & Mobile Banking
In addition to checking your balance and transaction history, we make it easy to add your card to mobile wallets and keep track of it all in our app:
Instant card issuance
Card controls & custom alerts
Free credit score tracking
Frequently Asked Questions
If your card is damaged or worn out, you can request a replacement in Online & Mobile Banking. Just open Card Services and select your card to order a new one.
Your card will be sent to the address on your account, and you should receive it within 7-10 business days. New cards are mailed from our processor and we are unable to track them.
If you need a new physical card sooner, stop by any branch and we’ll get you on your way quickly.
Lost and Stolen Cards
If your card is lost or stolen, take action to protect your account and prevent fraud.
The fastest way to secure your information is through Online & Mobile Banking. Acting quickly helps stop unauthorized charges and limits your risk.
If your card is lost (you may find it):
- Use Card Controls in Online & Mobile Banking to temporarily turn your card off
- Retrace your steps and check common locations
- If you find your card, you can easily turn it back on
If your card is stolen:
- Report it immediately in Online & Mobile Banking
- We’ll block the card to prevent any new transactions
- Request a replacement card during the reporting process
If you don’t have access to Online & Mobile Banking, call us immediately at 800-666-0191.
What happens next
Once your card is reported, we’ll close it and issue a replacement card, which typically arrives within 7–10 business days. Please note:- Cards can only be mailed to the address we have on file, and they will not be forwarded. If you need to update your contact information, follow these instructions.
- We are unable to provide tracking information from our card processor.
- Your old card will no longer work once it’s reported, and your replacement card will have new details.
In many cases, you can view your new card details right away in Online & Mobile Banking, so you can continue making purchases or add your card to your digital wallet without waiting for it to arrive.
If you need a physical card sooner, you can visit a Citadel branch to receive a new one in just a few minutes.
Be sure to update any recurring payments or subscriptions with your new card details to avoid service interruptions.
Stay Alert
Check your account activity
- Continue monitoring your account for unusual activity
- Report any charges you don’t recognize, even small ones
- Review your credit report any time for free in Online & Mobile Banking.
Take extra steps to protect yourself
- Turn on account alerts to track transactions in real time
- Use Card Controls in Online & Mobile Banking to manage your card anytime
- Be cautious of unexpected emails, calls, or texts requesting personal information
For more important information on how to protect yourself and your private financial information, check out our Security resources.
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.
Prefer to speak with a representative before you apply?
Schedule AppointmentInformation accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 10.74%-17.99% APR, based on credit worthiness. 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. 1.1% Foreign transaction fee applies for transactions initiated in foreign currencies. Cash advance fee is 5% of amount advanced ($10 minimum). Late fee is up to $35.00. Returned Check Fee is $25.00. There is a 5% ( $5 minimum) transaction fee for transferring a balance; interest will accrue on any balance transfer in accordance with the Cardholder terms and agreement. All terms, including fees and APRs for new transactions, may be subject to change. See Terms and Conditions for details.
* Choice Mastercard Introductory Rate: Earn 4.99% APR for all purchases, cash advances, and balance transfers made within 274 days of open date (“promotional period”). Introductory offer for new credit lines only.
Offers may be modified or withdrawn at any time. Ask for full details.