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Been with Citadel Since Age 13
“I’ve been with Citadel since I was 13 and had my first job. Now I use them for my car loans and credit cards, and I will probably use them when I buy my first house. I love Citadel!”
0% Intro APR for 9 Months*
Citadel Cash Rewards Mastercard
Plus, earn unlimited 1.5% cash back!
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 with no annual fee or no balance transfer fees.
Citadel Cash Rewards Mastercard Benefits:
✔ Enjoy 0% Introductory APR for 9 months*
✔ Earn unlimited 1.5% cash back for every $1 you spend
✔ No annual fees
✔ No Balance Transfer fees
✔ Make purchases on-the-go with Digital Wallets
✔ Easy cash back redemption
Take advantage of this limited time offer!
Apply NowAS LOW AS
0.00%*INTRO
12.74%APR
1.5% Cash Rewards Mastercard
variable APR
In addition, take advantage of Citadel's suite of Digital Tools:
Card Control- Digital Wallets
- Money Manager
- Account Alerts
- Mobile Deposit
- eStatements
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
Calculate Savings
Current Credit Cards
Add AnotherSelect a Card to Transfer to
- Regular Rate: 12.74%
- Annual Fee : 0%
- Transfer Fee Percent: 0%
- Transfer Fee Minimum: $0
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Hear From Our Customers
Citadel Customers For Over 18 Years
“My wife and I have been Citadel customers for over 18 years. When we moved to Brazil to work as missionaries in 2017, it was very difficult to make ATM withdrawals and credit card transactions. Deneen and Whitney, in the Call Center, went beyond the extra mile to help us get our accounts working. They stayed on the phone until everything worked. We were so thankful, we visited the corporate office when we were home and actually met them. We will always bank at Citadel, they are truly like family.”
My word for Citadel is WOW!
“My word for Citadel is WOW! I already had my Honda financed through Citadel and was looking to consolidate some of my credit cards. No one out there would help me until Citadel. Once that was finalized it was one WOW after another! After being with my previous bank for 20 years, I was hooked and changed banks completely. Every time I come in, I am among friends and people are so eager to assist me. Since my change to Citadel, my credit score has skyrocketed. In my humble opinion, Citadel changed my financial world.”
Agreements and Disclosures
View Agreements and Disclosures
All Mastercards
*Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate.
0% Introductory APR for nine months for qualified applicants. New Citadel Mastercard® accounts only; not available on current Mastercard® accounts or balances. Standard rates range from 8.74% - 17.99% APR, based on product and credit worthiness. See product pages for additional information. 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. 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.
Cash Rewards Mastercard and Business Cash Rewards Mastercard
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. Offers may be withdrawn at any time.
