Experience Everything

See it. Experience it. Make every moment count with Citadel's World Mastercard^®.

For a limited time, you're invited to apply and get 2X rewards points on travel.² There's no annual fee and no balance transfer fee. Plus, you can earn 15,000 bonus points (a $150 value) when you spend $1,000 in the first 90 days.¹

You'll also benefit from:

• 2X points at restaurants, including takeout and delivery²
• 1 point per $1 on all other purchases
• No foreign transaction fees
• Travel Assistance Services
• Trip Cancellation/Interruption
• Airport Concierge
• Lyft: $5 credit when you take 3 rides in one calendar month
• Shoprunner: Free 2 day shipping, free returns & other offers at select merchants when you use your Citadel World card
• Instacart: New users get 2 months free plus $10 off your 2nd order each month
• Peacock: monthly statement credit when you sign up for Peacock with your World card
• View the full Mastercard Guide to Benefits for more

Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. APR will be a variable rate of 14.99%-17.99% for World 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 5% of amount advanced ($10 minimum). Late fee is $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 agreement. 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. See Terms and Conditions for details.

¹ World Mastercard Bonus Points: Earn 15,000 bonus Rewards points (“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 (“15,000 points”) will be issued 95 days after achieving the spend of $1,000 within the first 90 days of being on the Mastercard platform.

² Rewards Points: Earn 2 points for every $1 spent on hotels, restaurants, and airlines, and 1 point on every $1 spent on all other purchases. 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.  

For category bonus rewards, merchants are assigned a merchant category code by the merchant or its processor in accordance with Mastercard procedures based on the kinds of products and services the merchant primarily sells. Citadel does not control the assignment of these codes and is not responsible for the codes used by merchants. You may expect a purchase to earn rewards within a category, but if the code assigned to the merchant isn’t within that category, your purchase will not qualify for the bonus points. In addition, some purchases made through third-party accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology may not qualify in a rewards category, depending on how the technology is set up to process the purchase.

Offers may be modified or withdrawn at any time. Ask for full details.