Unlimited 2.5% Cash Back on All Purchases* All Season Long
Cash Rewards Mastercard®
Earn unlimited 2.5% cash back* on everything this holiday season! That’s right, earn extra cash every time you make a purchase with your Citadel’s Cash Rewards Mastercard®, now through December 31, 2025. Remember, there’s no balance transfer fees or annual fees and redeeming your rewards is easy.
Plus, earn even more cash back, up to 3.75%, with your Ultimate Growth Checking boost!* See what checking tier you’re currently in to find out how much of a boost you’ll receive.
You'll also benefit from:
- Instant card access and easy cash redemption in Online & Mobile Banking
- Special offers in our Cash Back Mall
- Contactless payments – simply Tap & GoTM
- Cash access
- Generous credit limits
- 25-day grace period on purchases
- ID theft resolution
- Mastercard $0 Liability Protection
- Mastercard Global Service for lost or stolen cards
- Same day issuing of debit and credit cards at most Citadel branch locations
- View the full Mastercard Guide to Benefits to learn more
Ready to get started?
Apply NowWhy 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
* 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.
Offers may be modified or withdrawn at any time.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.
Bonus Cash Rewards Offer: Earn an additional 1% cash reward on net purchases made from 11/10/2025 through 12/31/2025 (“promotional period”). Bonus offer is available for all Cash Rewards cardholders in good standing. Offer expires December 31, 2025.
Ultimate Growth Checking Rewards Boost: Cash Back Rewards cardholders with an Ultimate Growth Checking can earn up to 1.25% more Cash Back Rewards based on their 3 month average daily balance. Tier 1 – no additional rewards boost; Tier 2 – 0.50% rewards boost; Tier 3 – 0.75% rewards boost; Tier 4 – 1% rewards boost; Tier 5 – 1.25% boost. Visit https://www.citadelbanking.com/bank/ultimate-growth-checking-account for details.
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.
