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.

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 receive a 3% Balance Transfer Bonus up to $300* on all credit cards with no Balance Transfer fees and no 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!

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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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 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 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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Make mobile payments easily and quickly with Citadel Digital Wallets.

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Frequently Asked Questions

How do I earn points on my travel rewards credit card?

You can earn 2 rewards points for every $1 spent on hotels, airlines, and restaurants with your Citadel World travel rewards credit card.

Does Citadel offer a low interest rate credit card?

We offer various credit card options with low rates. Currently our variable rate Choice Mastercard has our lowest rate.

How is interest on credit cards calculated?

To calculate the interest on credit cards, divide your APR by 365. Then multiply the balance by this number to determine interest charges.

Does Citadel offer a credit card with low APR?

We offer multiple options with very competitive APR's. Currently our variable rate Choice Mastercard has our lowest APR.

Does Citadel offer a credit card calculator?

Yes we do offer a balance transfer calculator for our credit card products. To access this, please navigate to Bank > Credit Cards and select one of our products. Scroll down until you see the calculator.

Still have questions? Visit our help center.

*Agreements and Disclosures

View *Agreements and Disclosures

*Information accurate as of and is subject to change without notice. See products pages for additional information. APR=Annual Percentage Rate. APY=Annual Percentage Yield. Interest rates vary based upon product and credit worthiness. Variable APR is an interest rate that can vary with the market based on the Prime Rate. All terms, including fees and APRs for new transactions, may be subject to change.


*Balance Transfer Bonus: 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.


Applicants must be at least 18 years of age.