0% Intro APR for 15 Months on All Balance Transfers & New Purchases*
Cash Rewards Mastercard®
This year, focus on getting the perfect gifts for your loved ones instead of worrying about high-interest credit card payments!
With Citadel's Cash Rewards Mastercard® you'll earn 1.5% cash back on every purchase! Plus, for a limited time, you'll pay an introductory 0% APR on all balance transfers and new purchases.*
Limited Time Offer:
Go Interest-Free Until 2028!
Enjoy some financial flexibility with an introductory 0% APR on all balance transfers and new purchases for 15 months.* Offer ends December 31, 2026.
Perks & Benefits
Your Cash Rewards Mastercard® also comes with added perks and benefits, including:
- Get your cash rewards right away, with immediate credit to your selected account
- Purchase and ID Protection
- Cell Phone Protection Service When You Pay Your Bill With Your Card
- Mastercard $0 Liability Protection
- Secure, Contactless Payments
Why Choose Citadel?
We’re a not-for-profit, member-owned credit union committed to helping people, businesses, and communities prosper. Not sure if you're eligible? Here's who can join.
Here’s why you’ll love banking with us:
Better rates & fewer fees
Focus on financial literacy & giving back
Personalized experiences, online & in-person
All it takes is a $1 deposit to join
Learn More
* Cash Rewards Mastercard: Earn 1.5% cash back on net purchases. 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.
Annual Percentage Rate (APR) Cash Rewards Promotional Offer: For new Citadel Cash Rewards accounts opened during the promotional period (October 1, 2026 – December 31, 2026), an introductory APR for new purchases and balances transferred is 0% for 15 months from date of account opening, then the standard APR applies. The promotional introductory offer does not apply to cash advances. Offer may be modified or withdrawn at any time. Promotional offer expires December 31, 2026. Offer available to new Citadel Cash Rewards Mastercards only. Offer not available for Business Accounts.
For Purchase and Balance Transfers completed during the promotional period (October 1, 2026 through December 31 2026) a Balance Transfer fee will be charged. Either $5 or 5% of the amount of each transfer, whichever is greater. This fee will be charged at the time of the transfer and added to your balance. Balance Transfers may not be used to repay existing Citadel loan products.
Offers may be modified or withdrawn at any time. Ask for full details.
If you are not currently a member, Citadel will open a savings account in your name upon approval and fund it with a $5 initial deposit. This savings account will give you access to a variety of Citadel’s products and services. If you have opened a Citadel credit card within the last 90 days you may not be approved for an additional credit card. Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 14.99%-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. Cash advance fee is 5% of amount advanced ($10 minimum). Late fee is up to $35. Returned Check Fee is $25. 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. If you have opened a Citadel credit card within the last 90 days you may not be approved for an additional credit card.
