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Been with Citadel Since Age 13
“I’ve been with Citadel since I was 13 and had my first job. Now I use them for my car loans and credit cards, and I will probably use them when I buy my first house. I love Citadel!”
Credit Cards Built for Your Life
Citadel Credit Cards
Let’s Find One That Works for You
Looking for a great rate? Want to earn more rewards? Prefer cash back? Get the card that best suits your spending.
Our cards offer everyday low rates, no surprise fees, and the speed and security of contactless payments. Plus, you can easily transfer balances with no fee. In addition, with Citadel's suite of Mobile Wallets, you can make mobile payments on almost all purchases quickly and securely using Apple Pay, Google Pay, Microsoft Pay, or Samsung Pay. Learn more and make Citadel first in your Mobile Wallet today!
Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.
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 on purchases and 6.99% Intro APR on Balance Transfers for 15 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
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 on purchases and 6.99% Intro APR on Balance Transfers for 15 Months*
✔ Everyday low rates
✔ No annual fee
✔ 1.5% cash back on all purchases
✔ Easy redemption
✔ No balance transfer fee
Choice Mastercard
The Choice Mastercard features a low rate with no annual fee or balance transfer fee. Perfect for those building credit, carrying a balance, and for balance transfers.
✔ Limited Time Offer: 0% Intro APR on purchases and 6.99% Intro APR on Balance Transfers for 15 Months*
✔ Everyday low rates
✔ No annual fees
✔ No balance transfer fee
World Mastercard
Maximize your travel and restaurant 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 cardholders include Free WiFi, Trip Cancellation, Car Rental Insurance and much more - all with no annual fee and no balance transfer fee.
✔ Limited Time Offer: 0% Intro APR on purchases and 6.99% Intro APR on Balance Transfers for 15 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
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.
✔ Get 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
Want to connect with an expert now?
Video Chat
Citadel is a not-for-profit credit union that exists to serve the people, businesses, and neighborhoods of Greater Philadelphia, so they can prosper. We provide our members with all things banking, plus the educational resources and guidance to build and maintain financial security.
Here’s why you should join us:
Better rates & low (or no!) fees
No tricks or hidden selling tactics
Personalized banking experiences, online & in-person
Open to anyone who lives or spends time in Southeast PA
All you need to do is open a $5 savings account to join
Chat Face-to-Face With Citadel Video Connect
Citadel's Video Specialists are just a few clicks away with Video Connect. Skip the trip to the branch office and video chat safely and securely from your preferred location. Learn More.
On your laptop, desktop, or mobile device, our Video Specialists can help you complete almost any banking-related task:
✔ Open a new account
✔ Add a product to a current account
✔ Apply for a loan
✔ Talk to a business banking expert
Ready to speak with a representative about applying for a credit card?
Schedule AppointmentHear From Our Customers
Citadel Customers For Over 18 Years
“My wife and I have been Citadel customers for over 18 years. When we moved to Brazil to work as missionaries in 2017, it was very difficult to make ATM withdrawals and credit card transactions. Deneen and Whitney, in the Call Center, went beyond the extra mile to help us get our accounts working. They stayed on the phone until everything worked. We were so thankful, we visited the corporate office when we were home and actually met them. We will always bank at Citadel, they are truly like family.”
My word for Citadel is WOW!
“My word for Citadel is WOW! I already had my Honda financed through Citadel and was looking to consolidate some of my credit cards. No one out there would help me until Citadel. Once that was finalized it was one WOW after another! After being with my previous bank for 20 years, I was hooked and changed banks completely. Every time I come in, I am among friends and people are so eager to assist me. Since my change to Citadel, my credit score has skyrocketed. In my humble opinion, Citadel changed my financial world.”
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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 15.74%-17-99% for Cash Rewards Mastercard, APR will be a variable rate of 14.74%-17.99% for World Mastercard, APR will be a variable rate of 11.74% - 17.99% for Choice Mastercard, and APR will be a variable rate of 15.74% - 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 5% of amount advanced ($10 minimum). Late fee is $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. 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.
APR Promotional Offer
*For qualified applicants, introductory APR is 0% for 15 months from credit card open date for purchases and 6.99% for 15 months for balance transfers, then the standard APR applies. Standard APR and credit card approval based on creditworthiness. New Citadel Mastercard accounts only; not available on current Citadel Mastercard accounts or balances. The promotional APR does not apply to cash advances. Offer may be modified or withdrawn at any time. APR Promotional offer expires March 28, 2023.
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.
