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".

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*Agreements and Disclosures

View *Agreements and Disclosures

*Information accurate as of and is subject to change without notice. See product pages for additional information. APR=Annual Percentage Rate.


0% Introductory APR for nine months for qualified applicants. Standard rates ranging from 8.74% to 17.99% APR, based upon product and your creditworthiness. After introductory period, Standard APR will apply.


Offer subject to credit approval. Applicant must be at least 18 years of age. New Citadel Mastercard® accounts only; not available on current Mastercard® accounts or balances. 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. 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. All terms, including fees and APRs for new transactions, may be subject to change.


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 Offers may be withdrawn at any time.