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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 StartedChoice Mastercard Rate
Manage 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
You can report all debit and credit cards lost or stolen by accessing the 'Card Services' menu from the account history. You may also request a new card to be sent automatically.
If you have requested a new card to be issued, you will receive within 7-10 business days. If you don't have access to Online & Mobile Banking, 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.
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 no 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. Introductory offer available only on balance transfers and purchases minus any credits or returns (“net purchases”).
APR Balance Transfer Promotional Offer: For new Choice accounts opened during the promotional period (January 20, 2026 through March 6, 2026) , an introductory APR for new balances transferred is 0% for 12 months from date of balance transfer, then the standard APR applies. The promotional introductory offer does not apply to cash advances. Offer may be modified or withdrawn at any time. Balance Transfer Promotional offer expires March 6, 2026. Offer available to new Citadel Choice Mastercards only. Offer not available for Business Accounts.
For Balance Transfers completed during the promotional period (January 20, 2026 through March 6, 2026) a Balance Transfer fee will be charged. Either $5 or 3% of the amount of each transfer, whichever is greater. This fee will be charged at the time of the transfer and added to your balance.
Post by Date: Your balance transfer must post to your account by March 6, 2026 for this promotional APR offer to apply. If the balance transfer posts to your account after that date, you will not receive the promotional APR. Instead, the standard APR for balance transfers will apply.
Balance Transfers may not be used to repay existing Citadel loan products.
Promotional APR does not apply to cash advances or purchases.
Offers may be modified or withdrawn at any time. Ask for full details.