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Enjoy No Balance Transfer Fees

Take advantage of no Balance Transfer or Annual Fees, no matter which card you choose.

Transfer your balance today with no Balance Transfer fees!

Transferring a balance to your Citadel credit card is easy. Plus, pay no balance transfer fees!

Do you currently have a Citadel credit card? Here are three easy ways to transfer your balances from high rate credit cards to a low rate Citadel Mastercard:

  • Call us at (800) 666-0191 .
  • Visit one of our branches and fill out a form.
  • Log in to Citadel Online Banking. Select Additional Services > Secure Forms > Mastercard Balance Transfer. Fill out the form and then select "Submit".

Choose the Citadel Mastercard that is right for you

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Hear From Our Customers

*Agreements and Disclosures

View *Agreements and Disclosures

All Mastercards


*Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate.


0% Introductory APR for nine months for qualified applicants. New Citadel Mastercard® accounts only; not available on current Mastercard® accounts or balances. Standard rates range from 8.74% - 17.99% APR, based on product and credit worthiness. See product pages for additional information. After introductory period, Standard APR will apply.


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 agreement. All terms, including fees and APRs for new transactions, may be subject to change. See Terms and Conditions for details.


Cash Rewards Mastercard and Business Cash Rewards Mastercard

Earn 1.5% cash back on net purchases (purchases minus any credit or returns) only. Cash advances and balance transfers are not considered purchases and will not earn rewards.


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 Offers may be withdrawn at any time.