Make The Most of Your Spending

Switch to the Citadel Cash Rewards Mastercard to start earning unlimited cash back.

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 credit card

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

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Earn Unlimited Cash Back!

Switch from your Citadel Choice Mastercard to make the most of your spending and earn cash back every month.

Please read the disclosure information below.

I (We) present this application/statement and certify that all statements are true and complete to the best of my (our) knowledge and for the purpose of obtaining credit from the credit union and that no unfavorable information known to me (us) or called for herein has been omitted. I(We) have no other debts and authorize you to obtain such information as you may require concerning the statements made in this application/statement. I (We) agree that the usual credit inquiries may be made to verify statements herein. I (We) agree that this application/statement remain the property of the credit union whether the loan is granted or not. Any balance you have on your current mastercard account will be transferred to this new account. The APR may be different than your current card account, please see Cash Rewards Mastercard Full Disclosure for full details.

Mastercard Disclosures:

Citadel Cash Rewards Mastercard Disclosures

Hear From Our Customers

Make mobile payments easily and quickly with Citadel Digital Wallets.

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Find an ATM or Branch Near You

Start earning unlimited 1.5% cash back on your everyday purchases.

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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. Standard rates range from 11.24% - 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 (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 Conditions. 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.

For category bonus rewards, merchants are assigned a merchant category code by the merchant or its processor in accordance with Mastercard procedures based on the kinds of products and services the merchant primarily sells. Citadel does not control the assignment of these codes and is not responsible for the codes used by merchants. You may expect a purchase to earn rewards within a category, but if the code assigned to the merchant isn’t within that category, your purchase will not qualify for the bonus points. In addition, some purchases made through third-party accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology may not qualify in a rewards category, depending on how the technology is setup to process the purchase.

Cash Rewards Mastercard

Earn 1.5% cash back on net purchases.

Offers may be modified or withdrawn at any time. Ask for full details.