Business Rewards Mastercard FAQs

Business Rewards Mastercard Frequently Asked Questions

Review our frequently asked questions below to get quick answers and tips on using Business Rewards Mastercard

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.
Do Business Rewards Mastercard points expire?

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.

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.

What happens if my credit is revoked or I close my credit card account?
If your account is closed by you or by us for any reason, any outstanding point balances will be forfeited.
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.
Can all business owners access business rewards points?

Only the primary owner can access the business rewards points.

Which transactions earn points with Mastercard Rewards?

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
Can I combine business points with personal points?
No. Your business points are separate from your personal points.
How do I use the Pay with Rewards App?

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.

How are Business Rewards points assigned?
Merchants who accept Mastercard credit cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note that we make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won’t qualify for reward offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category.
How do I view my business points?
Points will be accessible from Online and Mobile Banking by clicking on “Manage Cards” from the main menu and “Rewards” from the drop down and "My Business Rewards" from the Citadel Rewards page. Rewards will be viewable by the Primary (Business Entity) only. 
Where can I go for a more detailed explanation of Mastercard Rewards?
For additional information regarding your reward points, please visit our Credit Cards Rewards page for more information.
How do I set spending limits for authorized users in Card Control?

In Card Control, Spending limits can be set per transaction, per month or both. To set spending limits on an authorized user card:

Select the card > Control Preferences > Spend Limits > Per Transaction, Per Month or Both > Enter the limit > Save

Can authorized users earn rewards points for my rewards account?
Yes, authorized users can earn rewards points for the account. Only the Primary (Business Entity) will be able to access points.
What happens if my card is lost, stolen, or expires?
You will continue to have access to your existing point balance and points earned with your new card will continue to be added to your existing Mastercard Rewards account.
Are there booking fees?
There are no booking fees when booking travel through Mastercard Rewards.
Can I transfer or give away my points?
Customers can transfer points to other Citadel Mastercard Rewards cardholders by transferring points between Mastercard Rewards accounts. You can do this from the Mastercard Rewards site by clicking on Transfer Points. Complete the requested information and click next to complete the transfer.  
What is cash back?
Cash back can be a statement credit to the card associated with your Mastercard Rewards account. A statement credit will not be applied toward the monthly payment due.
How do I redeem for cash back?
Cash is just one of the great redemption options available.  You can redeem for cash from the Mastercard Reward site by clicking on Pay with Rewards, then selecting Statement Credit. You can set up a recurring, automatic redemption or request a one time statement credit. 
When I book a flight in the travel website and use my card to pay, how will the Merchant appear on my credit card statement?
The Merchant of record, Connexions Loyalty Travel Solutions, LLC is located in the United States. This transaction will appear as "CL *Trip Charges" on your statement.
Will I be able to see points for all of my cards in one place?

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.

Can Pay with Rewards be used at any merchant?

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.

Is there an additional fee for Mastercard Rewards and Pay with Rewards?
No, there is no additional fee to participate in Mastercard Rewards or use Pay with Rewards. It’s one of the many benefits of being a Citadel cardholder.
How will my points translate into a statement credit through Pay with Rewards?
The Pay with Rewards mobile app features a rewards calculator that lets you determine the cash value of your points. You’ll simply apply points—and their cash value—to the future transaction of your choosing.
Will authorized users be able to use or redeem the rewards points?
Only the Primary (Business Entity) will be able to use or redeem points.
How is Mastercard Rewards different than Pay with Rewards?
Mastercard Rewards is the overarching rewards program offered through Citadel. Pay with Rewards is part of Mastercard Rewards and gives you the flexibility to use your points to pay for purchases online and in stores instantly.
What happens if I’ve redeemed Mastercard Rewards points for an eGift Card and I haven’t received a confirmation email or the eCertificate?

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