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COMING SOON: We’re introducing a new look for Citadel’s brand!

Over the next few weeks, you may see some changes on our website, as well as Online and Mobile Banking. As a valued member, we'll keep you informed as we start rolling out changes.   Learn More

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Credit Cards That Meet Your Everyday Needs

Compare Citadel’s credit cards to find the one that offers the rates, rewards, and features that work best for you.

Apply For Low APR Credit Cards

Are you in the market for a low interest rate credit card, cash rewards, or a travel rewards credit card? Compare the features of Citadel's credit cards to find the one that offers you the convenience, rewards, and low rates that meet your everyday needs. Citadel offers credit cards with cash rewards, low APR, rewards and travel and entertainment. Easily transfer balances and enjoy no Balance Transfer or Annual Fees. Also, you'll be able to take advantage of Citadel's full range of Online and Mobile Banking tools. 

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

citadel world credit card

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.

  • Everyday low rates
  • No annual fee
  • Premium travel and dining rewards
  • No foreign transaction fees

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citadel cash rewards credit card

Cash Rewards Mastercard

Looking for a credit card with cash rewards? 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.

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citadel rewards credit card

Rewards Mastercard

Looking for a credit card with low APR? 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.

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Choice Mastercard

Looking for a low interest rate credit card? 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.

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Make mobile payments easily and quickly with Citadel Digital Wallets.

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Hear From Our Customers

Get started and apply for a Citadel credit card today!

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*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 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.