Which Credit Card is Right For You?

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Rewards Mastercard

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.*

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Fixed Rate

Enjoy a low, fixed rate along with a generous credit limit.

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Earn Points for all Purchases

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

Credit card rewards program

Rewards Mastercard Rate

AS LOW AS
0.00%*INTRO
9.99%APR
Rewards Mastercard
fixed APR

Additional Features

Looking for more Credit Card features? Give us your feedback.

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.

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: 12.74%
  • 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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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 and select, ‘Manage Cards’ from the main menu and select 'Rewards Points' from the dropdown. Next, 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

Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate.


0% Introductory APR for nine months for qualified applicants. Standard rates ranging from 9.99% to 17.99%, based upon your creditworthiness. After introductory period, Standard APR will apply.


Offer subject to credit approval. Applicants must be at least 18 years of age. All terms, including fees and APRs for new transactions, may be subject to change. See Terms and Conditions for details.


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 Offers may be withdrawn at any time.