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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, to maximize your earning potential, consider our Cashback Rewards Checking Account and link your Citadel Rewards Mastercard. If you already have a Cashback Rewards Checking Account, you can link your credit card by contacting us. 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.*
Enjoy a low, fixed rate along with a generous credit limit.
Earn Points for all Purchases
Earn 1 point for every $1 spent on purchases. Redeem points for gift cards, travel, and merchandise.
- Combine points with Debit Rewards
- Up to $300 Balance Transfer Bonus**
- Keep your card information updated for automatic payments with Mastercard Automatic Billing Updater
- 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
- View the Full Mastercard Guide to Benefits for more!
- Looking for more Credit Card features? Give us your feedback.
Rewards MasterCard Rate
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.
Interested in a rewards credit card? Apply today!Apply Now
Balance transfer fee
Cash advance fee (% of amount advanced; $10 minimum, $100 maximum)
Foreign transaction fee (% of transaction amount in U.S. Dollars)
Returned check fee
- 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.
Related Deals and Offers
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Frequently Asked Questions
With Citadel’s Rewards Credit Card, you will Earn 1 point for every $1 spent on purchases.
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.
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.
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
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. In order to receive the bonus, balances transferred to your Citadel credit card must remain on your card for a minimum of 45 days. 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.