Cash Rewards Mastercard®

Earn unlimited 2.5% cash back on everything this holiday season! That’s right, earn extra cash every time you make a purchase with Citadel’s Cash Rewards Mastercard^®, now through December 31, 2025, and pay no balance transfer fees or annual fees. Once approved, you’ll gain instant access to your new card in Online & Mobile Banking – simply add it to Apple Pay or Google Pay and start making secure purchases online and in stores right away. Redeeming your rewards is easy too.

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 & Go^TM
• 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.

^* Cash Rewards Mastercard: Earn 1.5% cash back on net purchases. Cash Back 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 cash back rewards.

Offers may be modified or withdrawn at any time.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

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. Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 14.99%-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 have opened a Citadel credit card within the last 90 days you may not be approved for an additional credit card.