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*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
No Annual Fee
Pay no annual fee or balance transfer fees.
1.5% Cash Back on all Purchases
Earn 1.5% cash back for every $1 spent on purchases. Cash rewards can be deposited right into your Citadel checking or savings account.
Easy Redemption
Redeem cash back easily and conveniently using Online and Mobile banking.
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Video ChatCash Rewards Mastercard Rate
Additional Features
- Contactless payments – simply Tap & GoTM
- Deposit cash rewards into your Citadel checking or savings account
- Earn more cash back through our Cash Rewards Mall
- Cash access
- No Balance Transfer Fees. Learn More.
- 25-day grace period on purchases
- ID theft resolution
- Mastercard $0 Liability Protection
- Mastercard Global Service for lost or stolen cards
View the full Mastercard Guide to Benefits to learn more.
Balance Transfer Calculator
You might realize significant monthly interest savings by transferring your higher rate credit card balances to a lower rate credit card. Use this balance transfer calculator to help determine those potential savings.
Current Credit Cards
Add AnotherSelect a Card to Transfer to
- Regular Rate: 16.49%
- Annual Fee : 0%
- Transfer Fee Percent: 0%
- Transfer Fee Minimum: $0
Ready to speak with a representative about Citadel's Cash Rewards Mastercard?
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
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.
*All standard account requirements apply. Information accurate as of and subject to change without notice. Offers may be modified or withdrawn at any time.
1 $150 New Account Cash Bonus Award: Earn $150 Cash Bonus (“bonus”) if net purchases totaling $1,000 or more are made within the first 90 days of credit card open date (“promotional period”). Bonus offer for new credit lines only. Limit one new account bonus per credit line per promotional period. Net purchases on all cards linked to a credit line will be included in net purchases total calculation for bonus eligibility. Account must be in good standing at time of bonus posting. The award (“$150 cash”) will be issued within 95 days of achieving the spend of $1,000 within the first 90 days of being on the Mastercard platform. Offer expires May 4, 2024.
2 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.
3 Cash Back Rewards: Cash back 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 cash back rewards. Earn 1.5% cash back for every $1 spent on all net purchases.
Billing Rights: Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 16.49%-17.99% APR, based on creditworthiness. 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. There is no transaction fee for transferring a balance; interest will accrue on any balance transfer in accordance with the Cardholder terms and conditions. Citadel will not process any balance transfer requests that are from any other existing Citadel Loan. All terms, including fees and APRs for new transactions, may be subject to change.
For full details and additional Mastercard benefits visit CitadelBanking.com/CashRewardsGTB How We Will Calculate Your Balance: We use a method called the “Average Daily Balance” (including new purchases). Foreign Transaction Fee: A fee of 1.1% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash withdrawals and credits to your account. A foreign transaction is any transaction that you complete, or a merchant completes on your card outside of the United States. Transactions completed by merchants outside of the United States are considered foreign transactions, regardless of whether you are located inside or outside the United States at the time of the transaction. If you have opened a Citadel credit card within the last 90 days you may not be approved for an additional credit card. ©
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