Security Alert: Scammers are impersonating Citadel on WhatsApp and other messaging apps to trick members into sharing personal information.

Learn More
Close Alert

Unlimited 1.5% Cash Back on All Purchases*

Earn cash back anytime, anywhere with Citadel's Cash Rewards Mastercard®.

Cash Rewards Mastercard

Shopping just got fun again! Earn unlimited 1.5% cash back* on every purchase you make with Citadel's Cash Rewards Mastercard®, and pay no balance transfer fees or annual fees. Plus, you'll gain instant access to your new card in Online & Mobile Banking after opening, so you can add it to Apply Pay or Google Pay before it arrives in the mail to start making secure purchases online and in stores.

When you're ready, it's easy to redeem your cash back by depositing it to your checking or savings account, or earn even more at our Cash Rewards Mall.

You'll also benefit from:

  • Contactless payments – simply Tap & GoTM
  • Cash access
  • Generous credit limits
  • 25-day grace period on purchases
  • ID theft resolution
  • Mastercard $0 Liability Protection
  • Mastercard Global Service for lost or stolen cards
  • Same day issuing of debit and credit cards at most Citadel branch locations
  • View the full Mastercard Guide to Benefits to learn more.

Ready to get started?

Apply Now

Manage It All in Online & Mobile Banking

In addition to checking your balance and transaction history, we make it easy to add your card to mobile wallets and keep track of it all in our app:

Cash Rewards Mastercard
Card Insurance 

Instant card issuance

Custom Alerts 

Card controls & custom alerts

Credit Score 

Free credit score tracking

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: 15.49%
  • 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 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. 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.

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.

top