More Robust Travel 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 11.24% to 17.99% Variable APR after six months.

Citadel World MasterCard

Maximize your travel rewards with the Citadel World MasterCard. Reap the benefits of a travel credit card that earns 2X points per every dollar spent on hotels, restaurants, and airlines with no foreign transaction fees. Enjoy a credit card that offers an intro rate for six months as low as 1.99% APR*, a generous credit limit, no annual fee, enhanced security and protection, and a Balance Transfer Bonus up to $300** with no fees. Earn even more when you get 1X points for every $1 spent on all of your other everyday purchases.

Double Points

Earn 2 rewards points for every $1 spent on hotels, airlines, and restaurants.


No Foreign Transaction or Annual Fees

Enjoy your international travel without the complexities of foreign transaction fees. Plus, pay no annual fee or balance transfer fees**.


Low Intro APR for 6 Months

Enjoy an APR* as low as 1.99% for six months and a 11.24% to 17.99% variable APR thereafter.


Additional Features

  • Discounted redemption levels on travel rewards
  • Intro Rate as Low as 1.99% APR* for 6 months
  • Up to $300 Balance Transfer Bonus**
  • Access to MasterCard Concierge Services. You can contact Concierge Services at 1-800-MasterCard
  • Works with all of Citadel's suite of Digital Wallets for on-the-go-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...
Travelers who want to earn double points
International travelers

World MasterCard Rate

World MasterCard
variable 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
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  • 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)


Late fee


Returned check fee


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


  • 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 World Credit Card?

Citadel World MasterCard offers you double rewards points for every $1 you spend on hotels, restaurants, and airlines, and 1 point on every $1 spent on all other 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.