Get Up to $250 Balance Transfer Bonus*

Transfer your balances and get paid up to $250, plus pay no balance transfer fees.

Transfer Your Balances with No Balance Transfer Fees

It's easy to transfer balances to your Citadel credit card. Receive a cash bonus of 2% of your balance transfer amount, up to $250, when you transfer your balance to your Citadel Mastercard®. Plus, you’ll enjoy the added advantage of paying no balance transfer fees. Your cash bonus will be deposited to your Citadel savings account within 90 days after your balance transfer takes place.

There are three easy ways to transfer your external balances from high rate credit cards to a low rate Citadel Mastercard:

What you'll need before submitting your Balance Transfer request:

✔ Be sure to list your most important transfer first on the form.
✔ Submit your balance transfer request two weeks prior to your creditor’s payment due date. 
✔ If you do submit within two weeks of your payment due date, please make your minimum payment to the creditor to avoid any late payment penalties.

Transfer your balances, and enjoy your cash bonus. Hurry, this offer ends October 31, 2021!

*Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.

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Balance Transfer Frequently Asked Questions

Are there any fees tied to Balance Transfers?

No. There are no Balance Transfer fees when you transfer your money from another financial institution. In addition, you can make unlimited Balance Transfers to your Citadel Mastercard.

What are the benefits of doing a Balance Transfer?

Balance Transfers are a great way to avoid interest and save you money when transferring your balance to a low APR credit card. This could help in many ways, for example, debt consolidation, additional credit card perks and simplifying your finances and monthly payments.

How do I do a Balance Transfer to my Citadel Mastercard?

Transferring balances to your Citadel Mastercard is simple! Log into Online and Mobile Banking > Click ‘Manage Cards’ from the drop-down menu > Select ‘Balance Transfer Form’. From here, you will be able to select up to three creditors to transfer your funds to your Citadel Mastercard.

Will I have to pay interest on my Balance Transfer?

Yes, you will have to pay interest on your Balance Transfer. Transfers to a Citadel Mastercard are treated as cash advances and will begin to accrue interest immediately.

Still have questions? Visit our help center.

*Agreements and Disclosures

View *Agreements and Disclosures

Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. APR will be a fixed rate of 9.99% - 17.99% for Rewards Mastercard, APR will be a variable rate of 11.24%-17-99% for Cash Rewards Mastercard, APR will be a variable rate of 10.24%-17.99% for World Mastercard, and APR will be a variable rate of 7.24% - 17.99% for 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 (excluding World Mastercard). Cash advance fee is up to 5% of amount advanced ($10 minimum). Late fee is up to $35.00. Returned Check Fee is up to $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 Conditions. All terms, including fees and APRs for new transactions, may be subject to change. See Terms and Conditions for details.

*$250 Balance Transfer Bonus Promotion

We will credit your primary Citadel savings account with 2% of the amount of balances transferred from a non-Citadel credit card(s). Maximum credit of $250 per card account during offer period. Cash back bonus deposit will be made within 90 days from the date of the transfer. Account must be active and in good standing at the time the funds are deposited. In order to receive the bonus, balances transferred to your Citadel card must remain on the card for a minimum of 45 days. Minimum transfer amount is $500. Offer valid to existing Citadel Mastercard credit card customers only. Transfer requests must be received 2 weeks prior to payment due date so that we can process your request. If you are not able to do this, please submit a minimum payment to the creditor in order to avoid any late payment penalties. Transfers to a Citadel Mastercard are treated differently than purchases; interest on balance transfers will begin accruing immediately. Offer not available for Business Accounts. Balance Transfer Cash Back Bonus Offer expires 10/31/2021 and may be modified or withdrawn at any time.