Create New Memories With Your Rewards

With the Citadel Rewards Mastercard®, you can earn a little extra to spend on what really matters.

Rewards Mastercard®

Get Rewarded for Your Spending

With Citadel’s Rewards Mastercard®, your everyday spending will earn you points that you can redeem for travel, gift cards, and even cash! Get started with 25,000 bonus points (a $250 value) after you spend $500 in the first 90 days* and an APR as low as 9.99%!

Earn Rewards Points By...



Going Out to Eat

Having a meal at your favorite restaurant just got even better. Earn rewards points every time you dine out.



Book your dream vacation and earn points every step of the way.


Grocery Shopping

Stock your pantries and your rewards points every time you visit the grocery store.


Going to the Movies

Want to check out the newest blockbuster? Get your tickets, your popcorn, and your rewards points.


Buying a New Outfit

Need a new outfit for an event? Upgrade your wardrobe along with your rewards.


Purchasing a Gift

Buy that special someone a gift that shows how much you care. And reap the rewards.

Don't miss out on 25,000 bonus points. Apply for your card today.

Apply Now

How to Redeem...


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Log Into Your Account

Once logged into Online Banking, select ‘Manage Cards.’


Select Rewards & Promotions

Once you’re on the rewards & promotions section, you can select ‘My MasterCard Rewards’


Redeem Your Points

Shop around on the Mastercard Rewards Website and use your points to purchase. Or redeem for cash!

*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 9.99% - 17.99% APR, based on credit worthiness. Offer subject to credit approval. Applicant must be at least 18 years of age. 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. 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. See Terms and Conditions for details.

*25,000 New Account Bonus Points Award

Earn 25,000 bonus Rewards points (“bonus”) for net purchases totaling $500 or more 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. Credit line must be open for 90 days before bonus will be awarded. Bonus will be posted to primary card within 60 days of end of promotional period. Offer expires November 13, 2023.

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.

Rewards Mastercard

Earn 1 point for every $1 spent on net purchases.

Offers may be modified or withdrawn at any time.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