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Earn Your $150 Cash Bonus with a Cash Rewards Credit Card1

Plus, you'll get 1.5% cash back on every purchase you make!

Get Rewarded for Your Everyday Spending

Put cash back in your wallet every time you make a purchase when you pay with Citadel's Cash Rewards Mastercard®. You'll earn 1.5% cash back on all purchases and pay no balance transfer fees or annual fees.

Plus, for a limited time, you'll earn a $150 cash bonus when you spend $1,000 or more in the first 90 days.1

  • 1.5% cash back on all purchases
  • No annual fee
  • No balance transfer fees
  • Everyday low rates
  • Easy cash back redemption
  • Quick, secure purchases with a Tap & GoTM card and mobile wallets like Apple Pay or Google Pay
  • Custom card controls and alerts in Online & Mobile Banking

Cash Rewards Mastercard
variable APR

Ready to get started?

Apply Now

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: 16.49%
  • Annual Fee : 0%
  • Transfer Fee Percent: 0%
  • Transfer Fee Minimum: $0
Calculate Savings

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

1 $150 New Account Cash Bonus Award: Earn $150 Cash Bonus (“bonus”) if net purchases totaling $1,000 or more are made within the first 90 days of credit card open date (“promotional period”). Bonus offer for new credit lines only. Limit one new account bonus per credit line per promotional period. Net purchases on all cards linked to a credit line will be included in net purchases total calculation for bonus eligibility. Account must be in good standing at time of bonus posting. The award (“$150 cash”) will be issued within 95 days of achieving the spend of $1,000 within the first 90 days of being on the Mastercard platform. Offer expires May 2, 2024.

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.

Offers may be modified or withdrawn at any time.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