Low APR, Great for Businesses

Citadel’s lowest rate credit card. Best for everyday business expenses, balance transfers, bills, travel, and more.

Choice MasterCard for Business

Citadel’s Choice MasterCard® for Business features our lowest rate with no annual fee or balance transfer fee.

Generous Credit Limit

Enjoy a low, variable rate with the Citadel Choice MasterCard for Business.



The Choice MasterCard features our lowest rate. Great for when you need to carry a balance and balance transfers.


Save on Fees

Pay no annual fee or balance transfer fees.*


Additional Features

  • 25-day grace period on purchases
  • ID theft resolution
  • Internet-safe shopping 
  • Extended warranty on select purchases
  • MasterCard Global Service for lost or stolen cards
  • Price protection
  • Cash access

Want a Choice card just for you? This card is also available as a personal credit card.

Apply now

After you complete the application, return it to Citadel in one of three ways:

Best For...
Carrying a balance
Balance transfers



Balance transfer fee


Cash advance fee (% of amount advanced; $10 minimum, $100 maximum)


Foreign transaction fee (% of transaction amount in U.S. Dollars)


Late fee


Returned check fee


  • Your Citadel Debit MasterCard carries EMV chip technology for greater protection against unauthorized use.

  • Our $0 liability guarantee helps protect you from fraudulent charges.

  • Automated fraud alerts can notify you about possible fraudulent activity on your account. Learn more.

  • Communicate with us securely through our Online Banking secure messaging system.


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*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.

Rates ranging from 8.24% to 17.99%, based upon 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. See Terms and Conditions for details.

Applicant must be at least 18 years of age.