You're Invited to Apply for a Choice Mastercard®
The Smart Choice for Your Wallet
*Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.
As a not-for-profit credit union, Citadel is all about helping you build & maintain financial strength. That's why our Choice Mastercard is designed to empower you to take control of your finances with low APRs, contactless payments, and no annual fee. This card is great for building credit or carrying a balance, and you're invited to apply!
Low APR
Low Rates from 10.74%-17.99% APR
With the lowest rates of all our credit cards from 10.74%-17.99% APR, this card is perfect for carrying or transferring a balance. We make it easier to build and maintain credit responsibly with lower rates that help you pay off your balance sooner.
Fewer Fees
No Annual Fee
With no annual fee, you’ll keep more money in your pocket to spend on necessities or put towards paying off your balance.
Perks & Benefits
Your Choice Mastercard® also comes with added perks and benefits, including:
- Merchant Offers & Discounts through SEPTA, MoviePass, & more
- Mastercard Travel & Experiences such as Expedia discounts & Airport Concierge
- Mastercard ID Theft Protection
- Mastercard $0 Liability Protection
- Secure, Contactless Payments
- Digital Wallet Integration with Apple Pay & Google Pay for secure mobile payments
Make the smart spending choice.
Apply For Your CardManage It All in Online & Mobile Banking
In addition to checking your balance and transaction history, we make it easy to add your card to mobile wallets and keep track of it all in our app:
Instant card issuance
Card controls & custom alerts
Free credit score tracking
Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 10.74%-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. Cash advance fee is 5% of amount advanced ($10 minimum). Late fee is up to $35.00. Returned Check Fee is $25.00. There is a 5% ( $5 minimum) 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.
* APR Introductory Offer: For qualified applicants, introductory APR 4.99% for 9 months from credit card open date for purchases, 4.99% for 9 months for balance transfers, and 4.99% for 9 months for cash advances then the standard APR applies. Standard APR and credit card approval based on creditworthiness. New Citadel Mastercard accounts only; not available on current Citadel Mastercard accounts or balances. Offer may be modified or withdrawn at any time.
Offers may be modified or withdrawn at any time. Ask for full details.
