Credit Cards Built for Your Life

Get the right card for life’s expected—and unexpected—adventures. Take our Credit Card Quiz to determine which of our options is right for you.

Citadel Credit Cards

Let’s Find One That Works for You

Looking for a great rate? Want to earn more rewards? Or do you prefer cash back? Get the card for how you live.

With a new look and new benefits, our cards offer everyday low rates, no surprise fees, and the speed and security of contactless payments. Plus, easily transfer balances with no fee.

In addition, with Citadel's suite of Digital Wallets, you can make mobile payments on almost all purchases quickly and securely. Learn more and make Citadel first in your Digital Wallet today!

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

rewards mastercard

Rewards Mastercard

Looking for a credit card with a low APR? 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.

Limited Time Offer: 0% intro APR for 9 months*
Everyday low rates
✔ No annual fee
✔ Fixed rate
Pay with rewards to redeem points while you shop
✔ Earn points for all purchases
No balance transfer fee

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cash rewards  mastercard

Cash Rewards Mastercard

With our Cash Rewards credit card you'll automatically earn 1.5% cash back on every dollar you spend everywhere! Cash Rewards can be deposited right into your checking or savings account. All with no annual fee or balance transfer fee.

Limited Time Offer: 0% intro APR for 9 months*
Everyday low rates
✔ No annual fee
✔ 1.5% cash back on all purchases
✔ Easy Redemption
No balance transfer fee

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choice mastercard

Choice Mastercard

The Choice Mastercard features our lowest rate with no annual fee or balance transfer fee. Perfect for those building credit or for carrying a balance and for balance transfers.

Limited Time Offer: 0% intro APR for 9 months*
Everyday low rates
✔ No annual fees
No balance transfer fee

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world mastercard

World Mastercard

Maximize your travel and dining rewards with the Citadel World travel rewards credit card. Earn 2 reward points for every $1 dollar spent on hotels, airlines and restaurants, and 1 point on all other purchases.  Exclusive benefits for travel rewards credit card cardholders include Free WiFi, Trip Cancellation, Car Rental Insurance and much more - all with no annual fee or balance transfer fee.

Limited Time Offer: 0% intro APR for 9 months*
Everyday low rates
✔ No annual fee
Pay with rewards to redeem points while you shop
✔ Premium travel and dining rewards
✔ No foreign transaction fees
No balance transfer Fee

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business rewards mastercard

Business Rewards Mastercard

Earn cash back for your business with the Citadel Business Rewards Mastercard. Get 2 points for every $1 spent on gas and office supplies, and 1.5 points on all other purchases.

30,000 Bonus Points (a $300 cash value!)**
Everyday low rates
Pay with rewards to redeem points while you shop
✔ No annual fee
No balance transfer fee

Learn More | Apply Now

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Video Chat

Introducing Citadel Video Connect

video connect

Introducing Citadel Video Connect

We've introduced a new way to bank, making it easier than ever to chat face-to-face with a local Citadel team member. The best part? You can connect with us safely and securely from anywhere — with just a few clicks on your laptop, desktop computer, or your mobile device. Learn more.

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*Agreements and Disclosures

View *Agreements and Disclosures

Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. APR will be a fixed rate of 9.99% - 17.99% for Rewards Mastercard, APR will be a variable rate of 11.24%-17-99% for Cash Rewards Mastercard, APR will be a variable rate of 10.24%-17.99% for World Mastercard, APR will be a variable rate of 7.24% - 17.99% for Choice Mastercard, and APR will be a variable rate of 11.24% - 17.99% for Business Rewards Mastercard. All APRs are based on 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.

*0% Introductory APR Promotion

For qualified applicants introductory APR is 0% for 9 months from credit card open date for purchases and balance transfers then the standard APR applies. Standard APR and credit card approval based on product and credit worthiness. New Citadel Mastercard® accounts only; not available on current Citadel Mastercard® accounts or balances. All terms, including fees and APRs may be subject to change. Ask for full details. Offers may be withdrawn at any time. Promotional offer expires August 31, 2021.

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 set up to process the purchase.

For Bonus Reward Offers

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.

Rewards Mastercard

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

Cash Rewards Mastercard

Earn 1.5% cash back 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.

Business Rewards Mastercard

**Earn 30,000 bonus Rewards points (“bonus”) for net purchases totaling $3,000 or more within the first 90 days of credit card open date (“promotional period”).

Earn 2 points for every $1 spent on gas and office supply category net purchases. Earn 1.5 points for every $1 spent on all other net purchases. For additional Citadel Business Rewards program details, please visit Citadelbanking.com/BusinessRewards.

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