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Earn 2X Rewards Points1 at Restaurants with Citadel's World Mastercard®

For coffee runs, quick bites, date nights, and late nights, get 15,000 bonus points when you spend $1,000 or more in the first 90 days.2

The Card for Whatever You're Craving

Memories start around the dinner table. Whether that’s reservations for a special occasion or a cheesesteak after the game, you can get 2X rewards points on restaurants,1 including takeout and delivery, when you pay with Citadel’s World Mastercard. There’s 2X points on travel1 too (and 1 point per $1 for everything else), so you can double up close to home, on the road, or across the globe. You might not agree on where to eat, but you won’t have to worry about which card to use.

You'll earn 15,000 bonus points when you spend $1,000 in the first 90 days,2 and save money with:

  • No annual fee
  • No balance transfer fee
  • No foreign transaction fees
Earn $15,000 bonus points when you spend $1,000

Ready to get started?

Apply Now

World Mastercard
variable APR

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. Standard rates range from 15.49%-17.99% APR, based on creditworthiness. 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. A 0% 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. Returned Check Fee is $25. There is no transaction fee for transferring a balance; interest will accrue on any balance transfer in accordance with the cardholder terms and conditions. Citadel will not process any balance transfer requests that are from any other existing Citadel Loan. All terms, including fees and APRs for new transactions, may be subject to change.

1 Rewards Points: 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. Earn 2 points for every $1 spent on hotels, restaurants, and airlines, and 1 point on every $1 spent on all other net purchases. 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 set up to process the purchase.

2 World Mastercard Bonus Points: Earn 15,000 bonus Rewards points (“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 (“15,000 points”) will be issued 95 days after achieving the spend of $1,000 within the first 90 days of being on the Mastercard platform.

If you are not currently a member, Citadel will open a savings account in your name upon approval and fund it with a $5 initial deposit. This savings account will give you access to a variety of Citadel’s products and services. If you have opened a Citadel credit card within the last 90 days you may not be approved for an additional credit card.

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