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COVID-19: All Branch Lobbies Are Closed, Drive-Up Access is Open

As of November 25, our branch lobbies are closed at all locations due to recent spikes in COVID-19. Our drive-up access remains open.  For more information, visit CitadelBanking.com/COVID19.

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Which Credit Card is Right For You?

Take our quick quiz to determine which credit card best meets your spending habits.

mastercard rewards

Rewards Mastercard

For a limited time, get 25,000 bonus points* (a $250 value!)

Citadel's Rewards credit card offers a low, fixed rate and generous credit limit. With the Rewards Mastercard, our members 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. Plus, enjoy the added security of contactless paymentsApply for a Rewards credit card today!

In addition, get an extra 25,000 bonus points* when you spend $2,500 in the first 3 months!

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 1 Point for Every $1 Spent on all Purchases

Redeem points for gift cards, travel, and merchandise.

Credit card rewards program

Rewards Mastercard Rate

AS LOW AS
9.99%APR
Rewards Mastercard
fixed APR

Did you know you can 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-enabled Citadel Mastercard.
  • Control your cards anytime with Card Control.
  • 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!
Best For...
Those looking for 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.

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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: 11.24%
  • 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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Fees

$0

Annual fee

$0

Balance transfer fee

5.0%

Up to 5.0% Cash advance fee (% of amount advanced; $10 minimum)

1.1%

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

$35

Up to $35 Late fee

$25

Up to $25 Returned check fee

Security

  • 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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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, ‘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.

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

All Mastercard Accounts


*Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 7.24% - 17.99% APR, based on product and credit worthiness. See product pages for additional information.


Offer subject to credit approval. Applicant must be at least 18 years of age. Variable APR is an interest rate that can vary with the market based on the Prime Rate. 1.1% Foreign transaction fee applies for transactions initiated in foreign currencies (excluding World Mastercard). 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. All terms, including fees and APRs for new transactions, may be subject to change. See Terms and Conditions for details.


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 setup to process the purchase.


Cash Rewards Mastercard

Earn 1.5% cash back on net purchases.


Rewards Mastercard

Earn 25,000 bonus Rewards points (“bonus”) for net purchases totaling $2,500 or more within the first 90 days of card activation 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 purchase 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. Bonus offer may be modified or withdrawn at any time.


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


World Mastercard

Earn 2 points for every $1 spent on hotels, restaurants, and airlines, and 1 point on every $1 spent on all other purchases.


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