Earn 2X Rewards Points1 at Restaurants with Citadel's World Mastercard®

Not sure which card is best for you? Take our quiz.

World Mastercard

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

Whether it's a coffee run, quick bite, date night, or late night, you can earn more with the Citadel World Mastercard®. Reap the benefits of a travel credit card that earns 2X rewards points for every dining and restaurant dollar spent.1 You'll also earn 2x the points on travel spending,1 1 point on all other purchases, and pay zero foreign transaction fees or annual fees.

So hit the drive-thru at lunch or grab dinner out at the new spot down the street and enjoy the extra rewards of the World Mastercard®.

Apply Now

Looking to increase your credit card limit?

Apply Now

World Mastercard Rate

World Mastercard
variable APR

Additional Features

  • Setup card controls, alerts, and request replacement cards as needed in Online & Mobile Banking
  • Mastercard Global Service for lost or stolen cards
  • Boingo Wi-Fi: Gives cardholders access to unlimited and secure Wi-Fi at >1M hotspots globally for up to four devices. Available in 100 countries across 6 continents, including airports, hotels, restaurants, and inflight
  • Trip Cancellation Insurance**: Protects cardholders from forfeited, non-refundable, unused payments and deposits if a trip is interrupted or cancelled
  • Travel Assistance Services**: Provides cardholders with pre-trip destination information, such as immunization and embassy details, if traveling more than 100 miles from home
  • No fees when you transfer a balance from another card. Learn More
  • Add to your mobile wallet to pay quickly and securely online and on-the-go
  • Keep your card information updated for automatic payments with Mastercard Automatic Billing Updater
  • Same day issuing of debit and credit cards at most Citadel branch locations
  • View the full Mastercard Guide to Benefits for more

**Note: purchase must occur on the Citadel World Mastercard.

Best For...
International travelers

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

Find an ATM or Branch Near You

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, 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 15.49%-17.99% APR, based on creditworthiness. 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. A 0% 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. Returned Check Fee is $25. There is no transaction fee for transferring a balance; interest will accrue on any balance transfer in accordance with the cardholder terms and conditions. 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.

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

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 set up to process the purchase.

If you are not currently a member, Citadel will open a savings account in your name upon approval and fund it with a $5 initial deposit. This savings account will give you access to a variety of Citadel’s products and services. If you have opened a Citadel credit card within the last 90 days you may not be approved for an additional credit card.

© 2023 Citadel. All Rights Reserved.