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A More Rewarding Way to Shop

Easily redeem Citadel Mastercard Rewards points for cash, travel, merchandise, gift cards, and more. It’s simple, and the choice is yours.

Citadel Mastercard Rewards

Redeem for More Today!

You can turn your everyday spending into even more with your Mastercard Rewards. The points you earn when you make a purchase or payment with your Citadel Mastercard can be redeemed for what you want – cash, travel, and more. Below are a few rewards you can earn when you use your credit card:

  • Cash
  • Gift cards (major department stores, popular restaurants, and more)
  • Merchandise
  • Flights, hotels, cruises, and dream vacations

Make the Most of Your Spending:

Pay with Rewards: Turn Rewards into Cash

Did you know your rewards points can easily become cash? With Mastercard Pay with Rewards, you have the freedom to redeem rewards for cash or use them for a purchase – and you’re in control.

Plus, it’s simple to redeem rewards automatically, giving you less to worry about.

Get Cash Back: Get a statement credit for your rewards. You may use all or some of your points – the choice is yours!

  • A statement credit allows cardholders to elect getting cash back using rewards points. Statement credits can be set to one-time or recurring redemptions, it’s your choice. This cash back will appear as ‘MC Rewards STMT Credit Rebate’ on your credit card statement.
  • Make it Automatic: When enabled, each time the points accumulation reaches 2500 points, $25 will be credited to the cardholder’s credit card statement balance.

Redeem While Shopping: Redeem rewards to pay for purchases while you shop online or at in-store retailers.

  • This option can be set for a singular transaction or for every transaction. When a purchase is made using a credit card, Mastercard Rewards will convert points to cash to pay for the purchase.

Get started with Pay with Rewards today.

Additional Features

Find an ATM or Branch Near You

Mastercard Rewards Frequently Asked Questions

How do I earn points?

You earn points simply by using your Citadel Mastercard. The breakdown for each type of card is:

  • Rewards Mastercard: 1 point for every $1 spent.
  • World Mastercard: 1 point for every $1 spent; 2 points for every $1 spent on hotel, airlines and restaurants.
  • Business Mastercard:  2 points for every $1 spent on gas and office supplies; 1.5 points for every $1 spent on other purchases.
Do points expire?

All card rewards have a 5 year expiration date. Rewards will expire on 12/31 of their 5th full year of life. For example, a point is earned in 2021. It's first year towards the 5 year expiration date is 2022, and will expire on 12/31/2026.

Debit card rewards will remain available for redemption until they reach the expiration date.

Can I transfer or give away my points?
Customers can transfer points to other Citadel Mastercard Rewards cardholders by transferring points between Mastercard Rewards accounts. You can do this from the Mastercard Rewards site by clicking on Transfer Points. Complete the requested information and click next to complete the transfer.  
How do I redeem for cash back?
Cash is just one of the great redemption options available.  You can redeem for cash from the Mastercard Reward site by clicking on Pay with Rewards, then selecting Statement Credit. You can set up a recurring, automatic redemption or request a one time statement credit. 
Will I be able to see points for all of my cards in one place?

Yes, any points associated to a card linked to your SSN will be viewable once you select My Mastercard Rewards in Online and Mobile Banking. You will also see points for any authorized users you have added to your account. Any points earned on a joint owner’s card will be viewable by the joint cardholder only.  

What happens if I’ve redeemed Mastercard Rewards points for an eGift Card and I haven’t received a confirmation email or the eCertificate?

Mastercard Rewards confirmation emails or the eCertificate for eGift Cards may go to your Junk or Spam folders. Please be sure to add to your contact and/or safe senders list.