Citadel Credit Cards

We offer a variety of credit card options that feature everyday low rates, no surprise fees, and secure contactless payments. Plus, you can add your card to your mobile wallet like Apple Pay or Google Pay for quick, easy payments online and in stores.

Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. APR will be a variable rate of 16.49%-17-99% for Cash Rewards Mastercard, APR will be a variable rate of 15.49%-17.99% for World Mastercard, and APR will be a variable rate of 12.49% - 17.99% for Choice 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.

¹ $150 New Account Cash Bonus Award: Earn $150 Cash Bonus (“bonus”) if net purchases totaling $1,000 or more are made within the first 90 days of credit card open date (“promotional period”). 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 purchases total calculation for bonus eligibility. Account must be in good standing at time of bonus posting. The award (“$150 cash”) will be issued within 95 days of achieving the spend of $1,000 within the first 90 days of being on the Mastercard platform. Offer expires May 2, 2024.

² Earn 15,000 bonus Rewards points (“bonus”) if net purchases totaling $1,000 or more are made within the first 90 days of credit card open date (“promotional period”). 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 purchases total calculation for bonus eligibility. Account must be in good standing at time of bonus posting. The award (“15,000 points”) will be issued 95 days after achieving the spend of $1,000 within the first 90 days of being on the Mastercard platform.

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.

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.

Offers may be modified or withdrawn at any time.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