Which Credit Card is Right For You?
Take our quick quiz to determine which credit card best meets your spending habits.
Citadel's Rewards credit card offers a low, fixed rate and generous credit limit. With the Rewards Mastercard, our members enjoy a credit card with 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. Plus, enjoy the added security of contactless payments. Apply for a Rewards credit card today!
For a limited time, get started with a 0% intro APR for 15 months!*
Looking to increase your credit card limit? Apply Now.
Rewards Mastercard Rate
Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.
Turn your rewards into cash! Learn how you can easily get a statement credit or use rewards while shopping.Explore Now
- Make everyday purchases quickly and safely with a tap of your contactless Citadel Mastercard.
- Control your cards anytime with Card Control.
- See which accounts are connected to your card by selecting "Debit/Credit Card Details" under "Manage Cards" in Online and Mobile Banking
- Mastercard $0 Liability Protection
- No Balance Transfer Fees. Learn more.
- 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
- Now you can pay faster and smarter online with Mastercard Click to Pay – no more passwords to remember or accounts to create. Learn more.
- 25-day grace period on purchases
- ID theft resolution
- Internet-safe shopping
- Mastercard Global Service for lost or stolen cards
- Cash access
- View the Full Mastercard Guide to Benefits for more!
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!Get Started
Balance Transfer Fee
Up to 5.0% Cash Advance Fee (% of amount advanced; $10 minimum)
Foreign Transaction Fee (% of transaction amount in U.S. Dollars)
Up to $35 Late Fee
Up to $25 Returned Check Fee
- Your Citadel 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.
Chat Face-to-Face With Citadel Video Connect
Citadel's Video Specialists are just a few clicks away with Video Connect. Skip the trip to the branch office and video chat safely and securely from your preferred location. Learn More.
On your laptop, desktop, or mobile device, our Video Specialists can help you complete almost any banking-related task:
✔ Open a new account
✔ Add a product to a current account
✔ Apply for a loan
✔ Talk to a business banking expert
Find an ATM or Branch Near You
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, ‘Manage Cards’ from the main menu and select 'Rewards' from the dropdown. Next, select your card number and the Rewards Points page will open in a new window.
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.
Still have questions? Visit our help center.
*Agreements and Disclosures
Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 9.99% - 17.99% APR, based on credit worthiness. Offer subject to credit approval. Applicant must be at least 18 years of age. 1.1% Foreign transaction fee applies for transactions initiated in foreign currencies. Cash advance fee is up to 5% of amount advanced ($10 minimum). Late fee is up to $35.00. Returned Check Fee is up to $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. Citadel will not process any balance transfer requests that are from any other existing Citadel Loan. All terms, including fees and APRs for new transactions, may be subject to change. See Terms and Conditions for details.
APR Promotional Offer
*For qualified applicants, introductory APR is 0% for 15 months from credit card open date for purchases and balance transfers, then the standard APR applies. Standard APR and credit card approval based on creditworthiness. New Citadel Mastercard accounts only; not available on current Citadel Mastercard accounts or balances. The promotional APR does not apply to cash advances. All terms, including fees and APRs, may be subject to change. Offer may be withdrawn at any time. APR Promotional offer expires October 31, 2022.
All Credit Card Rewards Offers
Rewards are earned on purchases minus any credits or returns (“net purchases”).
Cash advances and balance transfers are not considered purchases and will not earn rewards.
For category bonus rewards, merchants are assigned a merchant category code by the merchant or its processor in accordance with Mastercard procedures based on the kinds of products and services the merchant primarily sells. Citadel does not control the assignment of these codes and is not responsible for the codes used by merchants. You may expect a purchase to earn rewards within a category, but if the code assigned to the merchant isn’t within that category, your purchase will not qualify for the bonus points. In addition, some purchases made through third-party accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology may not qualify in a rewards category, depending on how the technology is set up to process the purchase.
Earn 1 point for every $1 spent on net purchases.
Offers may be modified or withdrawn at any time. Ask for full details.