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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!”
Make The Most of Your Spending
Earn Cash Back Every Month
Reward yourself with every purchase. Switching your cards is easy.
Looking to earn unlimited cash back on purchases? Enjoy 1.5% cash back on every dollar you spend when you switch to the Citadel Cash Rewards Mastercard. There’s no need to re-apply. Simply fill out the short form below. That's all there is to it!
Cash Rewards Mastercard
With our Cash Rewards credit card you'll automatically earn 1.5% cash back on every dollar you spend everywhere! Cash Rewards can be deposited right into your checking or savings account. Plus, this card has no annual fee and no balance transfer fees.
✔ Everyday low rates
✔ No annual fee
✔ 1.5% cash back on all purchases
✔ Easy Redemption
✔ No balance transfer fee
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.”
Make mobile payments easily and quickly with Citadel Digital Wallets.
Learn MoreFind an ATM or Branch Near You
Start earning unlimited 1.5% cash back on your everyday purchases.
Switch Now*Agreements and Disclosures
View *Agreements and Disclosures
Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 16.49% - 17.99% APR, based on credit worthiness. 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. Cash advance fee is 5% of amount advanced ($10 minimum). Late fee is up to $35.00. Returned Check Fee is $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.
Cash Rewards Mastercard
Earn 1.5% cash back on net purchases.
APR Promotional Offer
*For qualified applicants, introductory APR is 0% for 15 months from credit card open date for purchases and 6.99% for 15 months for balance transfers, then the standard APR applies. Standard APR and credit card approval based on creditworthiness. New Citadel Mastercard accounts only; not available on current Citadel Mastercard accounts or balances. The promotional APR does not apply to cash advances. Offer may be modified or withdrawn at any time. APR Promotional offer expires June 12, 2023.
Offers may be modified or withdrawn at any time. Ask for full details.
