Unlimited 1.5% Cash Back on All Purchases*
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 NowManage 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:
Instant card issuance
Card controls & custom alerts
Free credit score tracking
Why Choose Citadel?
Citadel is a not-for-profit credit union that exists to serve the people, businesses, and neighborhoods of Greater Philadelphia, so they can prosper.
Here’s why you should join us:
Better rates & low (or no!) fees
No tricks or hidden selling tactics
Personalized banking experiences, online & in-person
Open to anyone who lives or spends time in Southeast PA
All you need to do is open a $5 savings account to join
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.
Current Credit Cards
Add AnotherSelect a Card to Transfer to
- Regular Rate: 15.49%
- Annual Fee : 0%
- Transfer Fee Percent: 0%
- Transfer Fee Minimum: $0
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.
