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COVID-19: All Branch Lobbies Are Closed, Drive-Up Access is Open

As of November 25, our branch lobbies are closed at all locations due to recent spikes in COVID-19. Our drive-up access remains open.  For more information, visit CitadelBanking.com/COVID19.

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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:

What you'll need before submitting your Balance Transfer request:

✔ Be sure to list your most important transfer first on the form.
✔ It is best to submit your balance transfer request two weeks prior to your creditor’s payment due date.
✔ If you do submit within two weeks of your payment due date, please make your minimum payment to the creditor to avoid any late payment penalties.

Choose the Citadel Mastercard that is right for you

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Hear From Our Customers

Balance Transfer Frequently Asked Questions

Are there any fees tied to Balance Transfers?

No. There are no Balance Transfer fees when you transfer your money from another financial institution. In addition, you can make unlimited Balance Transfers to your Citadel Mastercard.

What are the benefits of doing a Balance Transfer?

Balance Transfers are a great way to avoid interest and save you money when transferring your balance to a low APR credit card. This could help in many ways, for example, debt consolidation, additional credit card perks and simplifying your finances and monthly payments.

How do I do a Balance Transfer to my Citadel Mastercard?

Transferring balances to your Citadel Mastercard is simple! Log into Online and Mobile Banking > Click ‘Manage Cards’ from the drop-down menu > Select ‘Balance Transfer Form’. From here, you will be able to select up to three creditors to transfer your funds to your Citadel Mastercard.

Will I have to pay interest on my Balance Transfer?

Yes, you will have to pay interest on your Balance Transfer. Transfers to a Citadel Mastercard are treated as cash advances and will begin to accrue interest immediately.

Still have questions? Visit our help center.

*Agreements and Disclosures

View *Agreements and Disclosures

All Mastercard Accounts


*Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 7.24% - 17.99% APR, based on product and credit worthiness. See product pages for additional information.


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.


All Credit Card Rewards Offers


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 rewards.


For category bonus rewards, merchants are assigned a merchant category code by the merchant or its processor in accordance with Mastercard procedures based on the kinds of products and services the merchant primarily sells. Citadel does not control the assignment of these codes and is not responsible for the codes used by merchants. You may expect a purchase to earn rewards within a category, but if the code assigned to the merchant isn’t within that category, your purchase will not qualify for the bonus points. In addition, some purchases made through third-party accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology may not qualify in a rewards category, depending on how the technology is setup to process the purchase.


Cash Rewards Mastercard

Earn 1.5% cash back on net purchases.


Rewards Mastercard

Earn 1 point for every $1 spent on net purchases.


World Mastercard

Earn 2 points for every $1 spent on hotels, restaurants, and airlines, and 1 point on every $1 spent on all other purchases.


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