Go Interest Free on Balance Transfers - You're Pre-Qualified1
Go Interest Free for a Year
Got a high credit card balance that’s racking up interest? Give yourself a year of interest-free payments when you transfer that balance to a Citadel Choice Mastercard®!
That’s right, pay 0% intro APR for 12 months on all balance transfers!2 And the best part is, you're already pre-qualified!1
Plus, our Choice Mastercard also comes with some great perks and benefits:
- Merchant Offers & Discounts through SEPTA, Expedia, MoviePass, & more
- Mastercard Travel & Experiences such as Expedia discounts
- Mastercard $0 Liability Protection
- ID Theft Protection
- Low rates from 10.74%-17.99% APR
- No annual fee
Ready to get started?
OPEN NOWWhy Choose Citadel?
Citadel is a not-for-profit credit union that exists to serve the people, businesses, and neighborhoods of Greater Philadelphia, so they can prosper.
Here’s why you should join us:
Better rates & low (or no!) fees
No tricks or hidden selling tactics
Personalized banking experiences, online & in-person
Open to anyone who lives or spends time in Southeast PA
All you need to do is open a $5 savings account to join
1 Pre-Qualified: Information contained in your credit report was used in connection with this offer. You received this offer because you satisfied our pre-established criteria for creditworthiness used to select individuals for this offer and based on an initial determination that you met Citadel Credit Union’s credit standards. Offer expires March 6, 2026.
2 APR Balance Transfer Promotional Offer: For new Choice accounts opened during the promotional period (January 20, 2026 through March 6, 2026), an introductory APR for new balances transferred is 0% for 12 months from date of balance transfer, then the standard APR applies. The promotional introductory offer does not apply to cash advances. Offer may be modified or withdrawn at any time. Balance Transfer Promotional offer expires March 6, 2026. Offer available to new Citadel Choice Mastercards only. Offer not available for Business Accounts.
For Balance Transfers completed during the promotional period (January 20, 2026 through March 6, 2026) a Balance Transfer fee will be charged. Either $5 or 3% of the amount of each transfer, whichever is greater. This fee will be charged at the time of the transfer and added to your balance.
Post by Date: Your balance transfer must post to your account by March 6, 2026 for this promotional APR offer to apply. If the balance transfer posts to your account after that date, you will not receive the promotional APR. Instead, the standard APR for balance transfers will apply.
Balance Transfers may not be used to repay existing Citadel loan products.
Promotional APR does not apply to cash advances or purchases.
Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. APR will be a variable rate of 10.74%-17.99% for Citadel 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. Cash advance fee is 5% of amount advanced ($10 minimum). Late fee is up to $35.00. Returned Check Fee is $25.00.
