$300 BT Bonus with NO Transfer Fees!

Transfer your balance to Citadel and get paid up to $300 with no fees.

PLUS, for a limited time only, enjoy 0% intro APR for 9 months*!

Transferring a balance to your Citadel credit card is easy. Get paid up to $300!* We will pay you 3% of the amount you transfer to your Citadel Mastercard. 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 Services > Secure Forms > Mastercard Balance Transfer. Fill out the form and then select "Submit".

It really is that easy.

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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 9.49% 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. Variable APR is an interest rate that can vary with the market based on the Prime Rate. All terms, including fees and APRs for new transactions, may be subject to change. 


Balance Transfer Bonus: We will credit your primary Citadel savings account with 3% of the amount of balances transferred from a non-Citadel credit card, up to a maximum credit of $300 within any 12-month period. Credit will be made within 60 days from date of the transfer. Account must be active and in good standing at the time the funds are deposited. In order to receive the bonus, balances transferred to your Citadel credit card must remain on your card for a minimum of 45 days. Minimum transfer amount is $500. Offer valid for new and existing Citadel Mastercard credit card customers. Transfer requests must be received 2 weeks prior to payment due date so that we can process your request. If you are not able to do this, please submit a minimum payment to the creditor in order to avoid any late payment penalties. Transfers to a Citadel Mastercard are treated as cash advances and will begin to accrue interest immediately.


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 Offers may be withdrawn at any time.