Low APR, Great for Carrying a Balance

The Choice MasterCard® features our lowest rate with no annual fee or balance transfer fee. Great for carrying a balance and for balance transfers.

Citadel Choice MasterCard

Like all Citadel credit cards, the Cash Rewards MasterCard features a low APR, a generous credit limit, and enhanced security and protection.

Generous Credit Limits

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

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Low APR

The Choice MasterCard features our lowest rate, great for carrying a balance and balance transfers.

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Save on Fees

Pay no annual fee or balance transfer fees.*

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Additional Features

  • 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

AS LOW AS
7.49%APR
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: 11.99%
  • 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

Fees

$0

Annual fee

3%

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

1.1%

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

$25

Late fee

$25

Returned check fee

Security

  • 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.

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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

*Balance Transfer Bonus: We will credit your primary Citadel savings account with 3% of the amount of balances 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. Offer may be withdrawn at any time.


Information accurate as of and is subject to change without notice. See products pages for additional information. APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rates ranging from 7.49% to 17.99%, based upon credit worthiness. 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.


Applicant must be at least 18 years of age.