0% Intro APR for 15 Months* and Unlimited 1.5% Cash Back

Apply for the Citadel Cash Rewards Mastercard® to earn unlimited 1.5% cash back on everyday purchases, and take advantage of our limited time intro rate.

Citadel's Cash Rewards Mastercard is Perfect for Everyday Spending

Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.

Apply online for the cash back credit card that earns unlimited 1.5% cash back with no annual fees. Save even more when you transfer a high interest balance to your credit card with no balance transfer fees.

For a limited time, get started with a 0% intro APR* for 15 months, and:

  • 1.5% cash back for every $1 spent on purchases
  • No Annual Fee or Balance Transfer Fees
  • Quick and safe purchases with a contactless card
  • Flexibility to make purchases on the go with a suite of Digital Wallets
  • Have the convenience of cash deposited right into your account
  • Earn even more cash back when you shop at our Cash Rewards Mall

Act now and earn cash back today!

Apply Now

Cash Rewards Mastercard Rate

Cash Rewards Mastercard
variable APR

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*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 13.49% - 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. 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. 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.

*APR Promotional Offer

For qualified applicants, introductory APR is 0% for 15 months from credit card open date for purchases and balance transfers, then the standard APR applies. Standard APR and credit card approval based on creditworthiness. New Citadel Mastercard accounts only; not available on current Citadel Mastercard accounts or balances. The promotional APR does not apply to cash advances. All terms, including fees and APRs, may be subject to change. Offer may be withdrawn at any time. APR Promotional offer expires October 31, 2022.

Cash Rewards Mastercard

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 setup to process the purchase. 

Earn 1.5% cash back on net purchases. Offers may be modified or withdrawn at any time. Ask for full details.