Which Credit Card is Right For You?

Answer a couple quick questions and we'll match the credit card that best fits your needs!

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Rewards MasterCard

Citadel's Rewards credit card offers a low, fixed rate and generous credit limit. With the Rewards MasterCard, our customer's enjoy no annual fee and no balance transfer fee. Our credit card rewards program allows you to maximize your spending and earn 1 point for every $1 spent on everyday purchases. In addition, amplify points by combining your earned points with Citadel's Debit Rewards program. Redeem your points for gift cards, travel, merchandise, and even cash. Apply for a Rewards credit card today!

No Annual Fee

Pay no annual fee or balance transfer fees.*

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Fixed Rate

Enjoy a low, fixed rate along with a generous credit limit.

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Earn Points for all Purchases

Earn 1 point for every $1 spent on purchases. Redeem points for gift cards, travel, and merchandise.

Credit card rewards program

Additional Features

Best For...
Those looking for robust credit card with rewards
Combining with Debit Rewards points
Customers seeking a credit card rewards program

Rewards MasterCard Rate

AS LOW AS
9.99%APR
Rewards MasterCard
fixed 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: 12.99%
  • Annual Fee : 0%
  • Transfer Fee Percent: 0%
  • Transfer Fee Minimum: $0
Calculate Savings

Interested in a rewards credit card? Apply today!

Apply Now

Fees

$0

Annual fee

$0

Balance transfer 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

How do I earn points with my Citadel Rewards Credit Card?

With Citadel’s Rewards Credit Card, you will Earn 1 point for every $1 spent on purchases.

How can I check my Rewards Points?

The easiest way to check your rewards points is to log in to Online or Mobile Banking and select, ‘Rewards’ from the menu. Then, select your card number and the Rewards Points page will open in a new window. 

If you are not an Online Banking user you can visit our Rewards Points partner directly and create an account to review and redeem your points.

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.

Still have questions? Visit our help center.

*Agreements and Disclosures

View *Agreements and Disclosures

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 9.99%-17.99%, based upon credit worthiness. All terms, including fees and APRs for new transactions, may be subject to change. 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.