Earn Rewards for Your Business

Earn rewards for your business with the Citadel Business Rewards Mastercard. Get 2 points for every $1 spent on gas and office supplies, and 1.5 points on all other purchases.*

Business Rewards Mastercard

Get More of What You Want

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. Open now!

Already a Citadel Business cardholder? Switch to our Business Rewards Mastercard and you could earn up to 30,000 bonus points* (a $300 cash value)! Get Started.

Open a Business Rewards Mastercard and get 30,000 bonus points

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.

More Rewards

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.

Business Rewards Mastercard

More Control

In Online & Mobile Banking, you can set up card controls to manage how, when, and where you and your authorized employees can use your card(s).

  • Set individual spending limits for employees
  • Manage location and merchant-type usage
  • Get instant transaction alerts

More Security

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.

  • $0 fraud liability
  • Automatic fraud alerts
  • Identify theft protection
  • EMV chip security

With the Business Rewards Mastercard you can establish business credit, track your spending, and more!

Get Started

Additional Features

  • Safe & secure contactless payments - simply Tap & Go®
  • See which accounts are connected to your card by selecting "Card Services" in your checking or credit card account in Online & Mobile Banking.
  • Low APR
  • Generous credit limits
  • Zero liability protection
  • Car Rental Insurance
  • Easy Savings (Merchant funded rebates)
  • Mastercard ID Theft Protection
  • Microsoft 365 Discount Offer
  • QuickBooks/Turbo Tax Discount Offer
  • Same day issuing of debit and credit cards at most Citadel branch locations
  • View the full Mastercard Guide to Benefits for more information!

Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.

Citadel Business Rewards Rate

AS LOW AS
15.99%APR
Business Rewards Mastercard
variable APR

Turn your rewards into cash! Learn how you can easily get a statement credit or use rewards while shopping.

Explore Now

Interested in more Business Banking products? Connect with an expert today!

Kye Kreutzberger
Kye Kreutzberger
Commercial Relationship Manager
Chris Hansen, Senior Relationship Manager, Business Banking
Chris Hansen
Commercial Relationship Manager
Karen Rhodes
Karen Rhodes
Commercial Relationship Manager

Hear From Our Members

Business Rewards Mastercard Frequently Asked Questions

What is Mastercard Rewards?
Mastercard Rewards is a free loyalty program available to all Citadel cardholders. Mastercard Rewards provides the ultimate choice in rewards—merchandise, gift cards, travel— along with Pay with Rewards™ which allows you to pay with points anywhere Mastercard is accepted.
How do I access my Mastercard Rewards account?

To access your rewards account log into Online and Mobile Banking, click your credit card account and in the ‘Card Services’ tab click ‘Redeem’.

Do points expire?

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.

How do I earn business points?

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.

How do I redeem my business points?
The Mastercard Business Rewards portal provides you the ability to manage, redeem and transfer rewards you have earned. The portal is accessible through Online and Mobile Banking.

Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 15.99%-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.

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