For a Limited Time, Get 25,000 Bonus Rewards Points* When You Open a Citadel Rewards Mastercard®!

Plus, enjoy rates as low as 9.99% APR.* Not sure which card works best for you? Take our credit card quiz.

Rewards Mastercard

*Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.

Maximize your spending and earn more credit card points with Citadel’s Rewards Mastercard. With the Rewards Mastercard, our members enjoy a low fixed rate, generous credit limit, no annual fee or balance transfer fee, and the added security of contactless payments. Plus, for a limited time you'll earn 25,000 bonus points* after spending $500 in the first 90 days of opening your card. You can also increase your earning potential even more by linking your Citadel Rewards Mastercard to our Cashback Rewards Checking Account. 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!

Looking to increase your credit card limit? Apply Now.

Rewards Mastercard Rate

Rewards Mastercard
fixed APR

Turn your rewards into cash! Learn how you can easily get a statement credit or use rewards while shopping.

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Additional Features

  • Make everyday purchases quickly and safely with a tap of your contactless Citadel Mastercard.
  • Access Card Control to set up instant text alerts on transactions, provide custom limits on authorized user cards, etc.
  • See which card is connected to your account in the card services tab in your checking or credit card account record in Online & 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
  • Mastercard Global Service for lost or stolen cards
  • Cash access
  • Same day issuing of debit and credit cards at most Citadel branch locations
  • View the Full Mastercard Guide to Benefits for more!
Best For...
Those looking for a robust credit card with rewards
Combining with Debit Rewards points
Customers seeking a credit card rewards program

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: 16.49%
  • Annual Fee : 0%
  • Transfer Fee Percent: 0%
  • Transfer Fee Minimum: $0
Calculate Savings

Interested in a rewards credit card? Apply today!

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Annual Fee


Balance Transfer Fee


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


$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.

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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

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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, select the account you would like to view points on, click on the ‘Card Services’ tab and click redeem.

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.

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 5% of amount advanced ($10 minimum). Late fee is up to $35.00. Returned Check Fee is $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.

*25,000 New Account Bonus Points Award

Earn 25,000 bonus Rewards points (“bonus”) for net purchases totaling $500 or more within the first 90 days of credit card open date (“promotional period”). Bonus offer for new credit lines only. Limit one new account bonus per credit line per promotional period. Net purchases on all cards linked to a credit line will be included in net purchases total calculation for bonus eligibility. Account must be in good standing at time of bonus posting. Credit line must be open for 90 days before bonus will be awarded. Bonus will be posted to primary card within 60 days of end of promotional period. Offer expires November 13, 2023.

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.

Rewards Mastercard

Earn 1 point for every $1 spent on net purchases.

Offers may be modified or withdrawn at any time. Ask for full details.