Gift Yourself the Credit You Deserve

Get up to $300* when you transfer your balance, and 1.5%** cash back for every $1 you spend!

Get More Cash Back This Holiday Season

This year, gift yourself the credit you deserve with the Cash Rewards Mastercard. Get up to a $300 balance transfer bonus and unlimited 1.5% cash back on your everyday purchases. Plus, enjoy no annual or balance transfer fees.

Apply today and watch the cash back add up!

Plus, enjoy:

Act now and earn cash back today!

Apply Now

Every Citadel Mastercard gets:

  • calendar reasons25-day grace period on purchases
  • flexibilityMasterCard Global Service for lost or stolen cards
  • approvalExtended warranty on select purchases
  • peace of mindPrice protection

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Agreements and Disclosures

View Agreements and Disclosures

Offer subject to credit approval. Applicant must be at least 18 years of age.


*We will credit your primary Citadel savings account with 3% of the amount of the balance transferred from a non-Citadel credit card, up to a maximum credit of $300 within any 12 month period. Minimum transfer amount $500. Credit will be made within 60 days from date of the transfer. Account must be active and in good standing at the time the bonus 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. Offer valid for new and existing Citadel Mastercard credit card customers.


**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. Offer may be withdrawn at any time. Federally insured by NCUA


Information accurate as of and is subject to change without notice. See products pages for additional information. APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rates ranging from 13.24% to 17.99%, based upon credit worthiness. 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. See Terms and Conditions for details.