Reassurance and Confidence
“Citadel allows me to conduct and manage my personal business with reassurance and confidence.”
Citadel is aware of recent news regarding the collapse of two major U.S. banks, and we assure our members that we remain in a safe and sound financial position. Learn more about how your funds are protected.
Earn Rewards for Your Business
Our Business Rewards Mastercard helps you establish business credit, track your business spending, and preserve cash flow while earning rewards. Plus, enjoy the added security of contactless payments.
Start off with 30,000 points (a $300 value!) after you spend $3,000 on purchases with your card in the first 3 months* from the time of credit card open date.
Earn 2 points for every $1 spent on gas and office supplies, and 1.5 points for every $1 spent on all other purchases.
Get 30,000 points (a $300 value!) to start after spending $3,000 in the first 3 months.
There’s no fee for transferring your balance OR any annual fee.
Your rewards points are only the beginning. Register your Business Rewards Mastercard in the Mastercard Easy Savings program and you’ll save even more. Plus, it’s free! Get automatic rebates on hotels, restaurant, gas and rental expenses on qualified purchases at thousands of participating merchants nationwide.
Citadel Card Control gives you greater peace of mind with absolute control over how, when, and where you and authorized employees can use your business credit card.
Simple. Safe. Secure. Your Citadel Business Rewards Mastercard provides some of the best protection against fraud, identity theft and other cybersecurity threats in the industry.
† Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.
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
“Citadel allows me to conduct and manage my personal business with reassurance and confidence.”
“All of us at Hatt's True Value Hardware in Thorndale, appreciate the great service and exceptional personal service Citadel provides our business.”
“Citadel has provided steady communication over the years and when a new business product became available, I was the first to know. If I had a new business request, I brought it to the attention of Citadel and products were created to meet my needs. I was very impressed that Citadel considered my needs and actually created products to help my business grow. By listening to my business needs, Citadel ALWAYS found a way to help make my business more efficient and profitable. As my business continues to flourish, I look forward to the way that Citadel will grow with me.”
“ The amazing service I get on my commercial account is a huge. As a long time retail customer, I just naturally continued working with Citadel when I needed commercial accounts. Naturally, their local, individually focused customer service is a part of their commercial culture too. They have the products I need, and their responsiveness to those needs is one of my secret weapons, and a major competitive advantage for my business.”
“I have numerous businesses with multiple properties and mortgages that were due for balloon payments. Having been a Citadel member for over 40 years, I decided to reach out to their Business Lending department. I met with a local branch manager and the VP of Business Lending to explain my current situation and lending needs. They completely understood my business goals and I was able to apply for a loan online. The VP showed up for closing which meant a lot to me as a customer. Now, I can manage all of my banking both for my business and personal needs on one website. Thanks Citadel!”
“I have recently opened a new business account with Citadel and my experience has been very positive. In conjunction with my new business account, I took out a mortgage with Citadel after finding out their rates are competitive. The entire experience set me at ease as the people I worked with were very knowledgeable, helpful and patient. I highly recommend this credit union.”
“We all need to bank somewhere. To me, it's an easy decision to do so with Citadel. Citadel treats you like a friendly neighbor, cares about your family, your Business Lending needs and supports the community across the region. Personally, I've been treated amazing at every level; from the CEO all the way to the tellers. Citadel has a truly amazing culture, the company is well managed and focused on You!”
To access your rewards account log into Online and Mobile Banking, click 'Manage Cards' from the main menu, 'Rewards' from the drop down menu on the left navigation and select the account you wish to access
All card rewards have a 5 year expiration date. Rewards will expire on 12/31 of their 5th full year of life. For example, a point is earned in 2021. It's first year towards the 5 year expiration date is 2022, and will expire on 12/31/2026.
Debit card rewards will remain available for redemption until they reach the expiration date.
You earn points simply by using your Citadel Business Rewards Mastercard. The breakdown is below:
2 points for every $1 spent on gas and office supplies; 1.5 points for every $1 spent on other purchases. The following types of transactions will not earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind.
Still have questions? View a complete list of Business Rewards Mastercard FAQs
†Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 15.74% - 17.99% APR, based on credit worthiness.
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 up to 5% of amount advanced ($10 minimum). Late fee is up to $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. All terms, including fees and APRs for new transactions, may be subject to change. See Terms and Conditions for details.
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.
Business Rewards Mastercard
*30,000 New Account Bonus Points Award
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”). 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. Bonus offer may be modified or withdrawn at any time.
Standard Rewards Points
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 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 additional Citadel Business Rewards program details, please visit Citadelbanking.com/BusinessRewards.
Offers may be modified or withdrawn at any time. Ask for full details.