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Smarter Spending & Simplified Sales
Business Credit Cards
Business Rewards Mastercard®
Designed for Businesses of All Sizes
- 30,000 bonus points when you spend $3,000 in the first 3 months1
- Rates as low as 15.49% APR
- 2 points per $1 on gas and office supplies2
- 1.5 points per dollar on all other purchases2
- No restrictions on time in business
- No annual fee or balance transfer fees
- Same-day card issuing at any branch
- No documentation needed to apply3
- Automated fraud alerts for suspicious activity
Merchant Services
POS Systems & Payment Processing
- Point of sale services
- Built-in security & fraud prevention
- Employee & customer management
- Inventory management
- Transaction reporting
- Ask about current offers & rebates on POS systems
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
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 credit worthiness.
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. 1.1% Foreign transaction fee applies for transactions initiated in foreign currencies (excluding World Mastercard). Cash advance fee is up to 5% of amount advanced ($10 minimum). Late fee is up to $35.00. Returned Check Fee is up to $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. All terms, including fees and APRs for new transactions, may be subject to change. See Terms and Conditions for details.
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.
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.
Business Rewards Mastercard
1 30,000 New Account Bonus Points Award: Earn 30,000 bonus Rewards points (“bonus”) for net purchases totaling $3,000 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 purchase 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. Bonus offer may be modified or withdrawn at any time.
2 Standard Rewards Points: Earn 2 points for every $1 spent on gas and office supply category net purchases. Earn 1.5 points for 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. For additional Citadel Business Rewards program details, please visit Citadelbanking.com/BusinessRewards.
3 Citadel reserves the right to request business documentation at any time.
Offers may be modified or withdrawn at any time. Ask for full details.
* © 2025 Paychex, Inc. All Rights Reserved. Paychex® is a registered trademark of Paychex, Inc. Payroll services and special offers are provided by Paychex, Inc. and are subject to price changes by Paychex. Payroll processing services provided by Paychex, a third-party commercial vendor. The Financial Institution is not an affiliate of Paychex, and does not provide, warrant, or guaranty their products or services.
© 2025 Clover Network, LLC. The Clover name and logo are registered trademarks owned by Clover Network, LLC and are registered or used in the U.S. and many foreign countries. Use of Clover requires a Merchant Processing Agreement with First Data Merchant Services LLC. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.
