Robust Rewards, and our Lowest Intro Rate

For a limited time, enjoy an intro rate as low as 1.99% APR* on purchases and balance transfers. Rates are 9.99% to 17.99% Fixed APR after six months.

Citadel Rewards MasterCard

If you love rewards, the Citadel Rewards MasterCard is the right credit card for you. Earn rewards faster while enjoying a credit card that offers an intro rate for six months as low as 1.99% APR*, a generous credit limit, enhanced security and protection, and a Balance Transfer Bonus up to $300** with no fees. Choose how you want to spend your points and redeem your credit card rewards for gift cards, travel, merchandise, and even cash!

Robust Rewards

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


Low Intro APR for 6 Months

Enjoy an APR* as low as 1.99% for six months and a 9.99 - 17.99% variable APR thereafter.


Save on Fees

Pay no annual fee or balance transfer fees.*


Additional Features

  • Combine points with Debit Rewards
  • Intro Rate as Low as 1.99% APR* for 6 months
  • Up to $300 Balance Transfer Bonus**
  • 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

Are you a small-business owner? This card is also available as a business credit card.

Best For...
Those looking for robust credit card rewards
Combining with Debit Rewards points

Rewards MasterCard Rate

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: 12.24%
  • Annual Fee : 0%
  • Transfer Fee Percent: 0%
  • Transfer Fee Minimum: $0
Calculate Savings

Make purchases quickly and securely with Citadel’s suite of digital wallets.

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Annual fee


Balance transfer fee


Cash advance fee (% of amount advanced; $10 minimum, $100 maximum)


Foreign transaction fee (% of transaction amount in U.S. Dollars)


Late fee


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.


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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

*APR=Annual Percentage Rate. Special Introductory APR for new Citadel MasterCard® accounts only; not available on current MasterCard® accounts or balances. Introductory APR valid for six months from account opening date; after that and depending on credit criteria APR will be a variable rate of 12.24 - 17.99% for Cash Rewards. Rates Accurate as of . We calculate your variable rate by adding a margin of 3.99 – 14.99% to the Prime Rate. Prime Rate 4.5% as of 12/21/2017. The result is your APR. Offer subject to credit approval. 1.1% Foreign transaction fee applies for transactions initiated in foreign currencies. Cash advance fee is 3% of amount advanced ($10 minimum, $100 maximum). Late fee is $25.00. Returned Check Fee is $25.00. 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.