Earn Rewards for your Business Expenses

With the Citadel Rewards Business MasterCard®, we'll pay you for all the business purchases you make—all with the safety and security of EMV chip technology.

Rewards MasterCard for Business

Citadel Rewards MasterCard for business offers a low, fixed rate with no annual fee and no balance transfer fee. Redeem your points for gift cards, travel, merchandise, and even cash!

Robust Business Rewards

Earn 1 point for every $1 spent on purchases. Redeem points for gift cards, travel, and merchandise.


Fixed Rate

Enjoy a low, fixed rate along with a generous credit limit.


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 rewards 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...
Businesses that want robust rewards



Annual Fee


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 11.49% 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.