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Get Up to $300 Balance Transfer Bonus*
Transfer Your Balances With No Balance Transfer Fees
It's easy to transfer balances to your Citadel credit card! Receive a cash bonus of 1.5% of your balance transfer amount, up to $300, when you transfer your balance to your Citadel Mastercard®. Plus, you’ll enjoy the added advantage of paying no balance transfer fees. Your cash bonus will be deposited to your Citadel savings account within 90 days after your balance transfer takes place.
There are three easy ways to transfer your external balances from high rate credit cards to a low rate Citadel Mastercard:
- Log in to Online Banking. Select “Manage Cards” from the menu > “Balance Transfer Form.” From there, you will be able to select up to three creditors to transfer your funds to your Citadel Mastercard.
- Video Chat, schedule an appointment, or call us at (800) 666-0191.
- Visit one of our branches and we can assist you in filling out a Balance Transfer form.
What you'll need before submitting your Balance Transfer request:
✔ Be sure to list your most important transfer first on the form.
✔ Submit your balance transfer request two weeks prior to your creditor’s payment due date.
✔ If you do submit within two weeks of your payment due date, please make your minimum payment to the creditor to avoid any late payment penalties.
Transfer your balances, and enjoy your cash bonus. Hurry, this offer ends March 10, 2022!
*Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.
AS LOW AS
16.24%APR
Cash Rewards Mastercard
variable APR
AS LOW AS
9.99%APR
Rewards Mastercard
fixed APR
AS LOW AS
12.24%APR
Choice Mastercard
variable APR
AS LOW AS
15.24%APR
World Mastercard
variable APR
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Hear From Our Customers
Citadel Customers For Over 18 Years
“My wife and I have been Citadel customers for over 18 years. When we moved to Brazil to work as missionaries in 2017, it was very difficult to make ATM withdrawals and credit card transactions. Deneen and Whitney, in the Call Center, went beyond the extra mile to help us get our accounts working. They stayed on the phone until everything worked. We were so thankful, we visited the corporate office when we were home and actually met them. We will always bank at Citadel, they are truly like family.”
My word for Citadel is WOW!
“My word for Citadel is WOW! I already had my Honda financed through Citadel and was looking to consolidate some of my credit cards. No one out there would help me until Citadel. Once that was finalized it was one WOW after another! After being with my previous bank for 20 years, I was hooked and changed banks completely. Every time I come in, I am among friends and people are so eager to assist me. Since my change to Citadel, my credit score has skyrocketed. In my humble opinion, Citadel changed my financial world.”
Balance Transfer Frequently Asked Questions
Are there any fees tied to Balance Transfers?
No. There are no Balance Transfer fees when you transfer your money from another financial institution. In addition, you can make unlimited Balance Transfers to your Citadel Mastercard.
What are the benefits of doing a Balance Transfer?
Balance Transfers are a great way to avoid interest and save you money when transferring your balance to a low APR credit card. This could help in many ways, for example, debt consolidation, additional credit card perks and simplifying your finances and monthly payments.
How do I do a Balance Transfer to my Citadel Mastercard?
Transferring balances to your Citadel Mastercard is simple! Log into Online and Mobile Banking > Click ‘Manage Cards’ from the drop-down menu > Select ‘Balance Transfer Form’. From here, you will be able to select up to three creditors to transfer your funds to your Citadel Mastercard.
Will I have to pay interest on my Balance Transfer?
Yes, you will have to pay interest on your Balance Transfer. Transfers to a Citadel Mastercard are treated as cash advances and will begin to accrue interest immediately.
Still have questions? Visit our help center.
*Agreements and Disclosures
View *Agreements and Disclosures
Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. APR will be a fixed rate of 9.99% - 17.99% for Rewards Mastercard, APR will be a variable rate of 11.24%-17-99% for Cash Rewards Mastercard, APR will be a variable rate of 10.24%-17.99% for World Mastercard, and APR will be a variable rate of 7.24% - 17.99% for Choice Mastercard. All APRs are based on credit worthiness. See product pages for additional information. 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 Conditions. All terms, including fees and APRs for new transactions, may be subject to change. See Terms and Conditions for details.
*$300 Balance Transfer Bonus Promotion
We will credit your primary Citadel savings account with 1.5% of the amount of balances transferred from a non-Citadel credit card(s). Maximum credit of $300 per card account during offer period. Cash back bonus deposit will be made within 90 days from the date of the transfer. Account must be active and in good standing at the time the funds are deposited. In order to receive the bonus, balances transferred to your Citadel card must remain on the card for a minimum of 45 days. Minimum transfer amount is $500. Offer valid to existing Citadel Mastercard credit card customers only. Transfer requests must be received 2 weeks prior to payment due date so that we can process your request. If you are not able to do this, please submit a minimum payment to the creditor in order to avoid any late payment penalties. Transfers to a Citadel Mastercard are treated differently than purchases; interest on balance transfers will begin accruing immediately. Offer not available for Business Accounts. Balance Transfer Cash Back Bonus Offer expires March 10, 2022 and may be modified or withdrawn at any time.
