Get up to a $300 Balance Transfer Bonus & Enjoy Unlimited 1.5% Cash Back

We’ll give you 1.5% cash back for every $1 you spend!

Get more cash back with Citadel!

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.

With a Citadel Cash Rewards MasterCard you’ll:

  • Earn 1.5% cash back for every $1 spent on purchases
  • 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

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

Balance Transfer Calculator

You might realize significant monthly interest savings by transferring your higher rate credit card balances to a lower rate credit card. Use this balance transfer calculator to help determine those potential savings.

Start Calculator

Current Credit Cards

Current Balance($)

$0 $30,000

Current Rate(%)

0% 40%

Intro Rate(%)

0% 5%

Intro Term

0 120
Add Another

Select a Card to Transfer to

  • Regular Rate: 13.49%
  • Annual Fee : 0%
  • Transfer Fee Percent: 0%
  • Transfer Fee Minimum: $0
Calculate Savings

AS LOW AS
0.00%*INTRO
13.49%APR
1.5% Cash Rewards Mastercard
variable APR

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Agreements and Disclosures

View Agreements and Disclosures

* Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate.


0% Introductory APR for nine months for qualified applicants. Standard rates ranging from 13.49% to 17.99% APR, based upon 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. See Terms and Conditions for details.


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.


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.