Unlimited 1.5% Cash Back & Our Lowest Intro Rate for 6 Months

As low as 1.99% Intro APR* for six months on purchases and balance transfers. 12.24% to 17.99% Variable APR* after that.

Unlimited Cash Back, a Low Intro APR for 6 Months, & No Annual Fees

It is easy to earn while you spend using the Citadel Cash Rewards MasterCard. Get unlimited 1.5% cash back on your everyday purchases while enjoying the benefits of a credit card that requires no annual or balance transfer fees and a low introductory APR for six months.

With a Citadel Cash Rewards MasterCard you’ll:

  • Earn 1.5% cash back for every $1 spent on purchases
  • Enjoy an Intro Rate as Low as 1.99% APR* for 6 months
  • Qualify for a Balance Transfer Bonus up to $300**
  • Have No Annual Fee or Balance Transfer Fees
  • Have the flexibility to make purchases on the go with a suite of Digital Wallets
  • Have the convenience of cash deposited right into your account
  • Earn even more cash back when you shop at our Cash Rewards Mall


Act now and earn cash back today!

Apply Now

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*Agreements and Disclosures

View *Agreements and Disclosures

*APR=Annual Percentage Rate. Special Introductory APR for new Citadel MasterCard® accounts only; not available on current MasterCard® accounts or balances. Introductory APR valid for six months from account opening date; after that and depending on credit criteria APR will be a variable rate of 12.24 - 17.99% for Cash Rewards. Rates Accurate as of . We calculate your variable rate by adding a margin of 3.99 – 14.99% to the Prime Rate. Prime Rate 4.5% as of 12/21/2017. The result is your APR. Offer subject to credit approval. 1.1% Foreign transaction fee applies for transactions initiated in foreign currencies. Cash advance fee is 3% of amount advanced ($10 minimum, $100 maximum). Late fee is $25.00. Returned Check Fee is $25.00. See Terms and Conditions for details.

**We will credit your primary Citadel savings account with 3% of the amount of balance 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. Minimum transfer amount is $500. Offer valid for new and existing Citadel MasterCard® credit card customers. No balance transfer fees. Ask for full details. Offer may be withdrawn at any time.

Applicant must be at least 18 years of age.