We’re sorry, but this offer has expired. Please call (800) 666-0191 with any questions.
This offer has expired
*Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.
To learn more about Citadel's credit card rates, visit CitadelBanking.com/BuiltForYou
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Video ChatCash Rewards Mastercard Rate
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Schedule AppointmentFees
$0
Annual Fee
$0
Balance Transfer Fee
5.0%
5.0% Cash Advance Fee (% of amount advanced; $10 minimum)
1.1%
Foreign Transaction Fee (% of transaction amount in U.S. Dollars)
$35
Up to $35 Late Fee
$25
$25 Returned Check Fee

Chat Face-to-Face With Citadel Video Connect
Citadel's Video Specialists are just a few clicks away with Video Connect. Skip the trip to the branch office and video chat safely and securely from your preferred location. Learn More.
On your laptop, desktop, or mobile device, our Video Specialists can help you complete almost any banking-related task:
✔ Open a new account
✔ Add a product to a current account
✔ Apply for a loan
✔ Talk to a business banking expert
Find an ATM or Branch Near You
Frequently Asked Questions
Yes, all Citadel Credit Cards are eligible for Apple Pay in addition to several other Digital Wallet Products. Learn more about setting up your card with our Digital Wallet partners.
A few preventative measures you can take:
- Treat your debit and credit cards like cash and always keep them in a safe place
- Keep your PIN a secret and do not share it with anyone
- Memorize your PIN and never write it on your card, store it with your card, or let someone else enter it for you
- For added security, Citadel encourages debit card users to sign for safety and choose “credit” as their preferred transaction method when asked “debit or credit” at the check-out counter, eliminating any possibility of someone obtaining your PIN as you enter it
- Do not disclose your PIN over the telephone, email or Internet; no one needs to know your PIN, not even your financial institution
- Report a lost or stolen card immediately to reduce the chance that it will be used improperly and limit your potential liability for unauthorized transactions
- Review your account statements monthly and report any errors (including transactions you believe may be unauthorized) right away
With Citadel’s Cash Rewards Credit Card, you will earn 1.5% cash back for every $1 spent on purchases. Earn even more cash back with your Citadel Cash Rewards Mastercard when you shop at our Cash Back Mall. Easily redeem a specific amount or all of your available cash back at once.
The easiest way to check your rewards points is to log in to Online or Mobile Banking, select the account you would like to view points on, click on the ‘Card Services’ tab and click redeem.
Still have questions? Visit our help center.
*Agreements and Disclosures
Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 15.74% - 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 up to 5% of amount advanced ($10 minimum). Late fee is up to $35.00. Returned Check Fee is $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 agreement. All terms, including fees and APRs for new transactions, may be subject to change. See Terms and Conditions for details.
*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.
**APR Promotional Offer
For qualified applicants, introductory APR is 0% for 15 months from credit card open date for purchases and 6.99% for 15 months for balance transfers, 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. The promotional APR does not apply to cash advances. Offer may be modified or withdrawn at any time. APR Promotional offer expires June 12, 2023.
All Credit Card Rewards Offers
Rewards are earned on purchases minus any credits or returns (“net purchases”).
Cash advances and balance transfers are not considered purchases and will not earn rewards.
Cash Rewards Mastercard
Earn 1.5% cash back on net purchases.
Offers may be modified or withdrawn at any time. Ask for full details.