Business Rewards Mastercard Frequently Asked Questions

Your Business Rewards points expire 5 years from the month they were accumulated.

All card rewards have a 5-year rolling monthly expiration. Rewards will expire the last day of the month, 5 years after they were earned. For example, points earned in March 2022 will expire on March 31, 2027.

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.

Only the primary owner can access the business rewards points.

You earn reward points for ALL purchase activity with the exception of the transactions identified below:

• Betting including lottery, gaming, chips, track wagers
• Manual or automated cash disbursements at any financial institution
• Money transfer agent or wire transfer
• Foreign currency/quasi-cash at a non-financial institution
• Tax Payments
• Truck stop transactions

Pay with Rewards can be used anywhere Mastercard is accepted. By using the Pay with Rewards mobile app, you can determine how many points you’d like to redeem, along with where and when you’d like to redeem them.

The following merchants do not qualify for Pay with Rewards: hotels, car and truck rental agencies, gas stations, and cruise ships. Please refer to the Terms & Conditions for additional information.

Yes, points for all cards will be tied to the Primary TAX ID (Business Entity) and will only be viewable by the Primary (Business Entity) on the account. You will also see points for any authorized users you have added to your account.

Pay with Rewards can be used anywhere Mastercard is accepted. By using the Pay with Rewards mobile app, you can determine how many points you’d like to redeem, along with where and when you’d like to redeem them.

The following merchants do not qualify for Pay with Rewards: hotels, car and truck rental agencies, gas stations, and cruise ships. Please refer to the Terms & Conditions for additional information.

Mastercard Rewards confirmation emails or the eCertificate for eGift Cards may go to your Junk or Spam folders. Please be sure to add rewards@notify-email.com to your contact and/or safe senders list.