The Smart Choice
Choice Mastercard
*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 and pay off your balance sooner without wasting money on annual fees or balance transfer fees. Plus, you can add your card to mobile wallets like Apple Pay & Google Pay for quick, secure payments online and in stores.
Low APR
Low Rates from 11.49%-17.99% APR
With the lowest rates of all our credit cards from 11.49% - 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 or Balance Transfer Fee
With no annual fee or balance transfer fees, 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
Make the smart spending choice.
Accept OfferBalance 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
- Introductory Rate:
- Introductory Term:
- Regular Rate: 15.49%
- Annual Fee : 0%
- Transfer Fee Percent: 0%
- Transfer Fee Minimum: $0
Manage 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
Why 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
Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 11.49%-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 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.
* APR Introductory Offer: For qualified applicants, introductory APR 4.99% for 9 months from credit card open date for purchases and 4.99% for 9 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.
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.
Offers may be modified or withdrawn at any time. Ask for full details.
