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

Apply for the Citadel Cash Rewards Mastercard® and earn unlimited 1.5% cash back on everyday purchases. Plus, take advantage of 0% on all purchases for 15 months.

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.

Plus, for a limited time, get started with a 0% intro APR for 15 months* on purchases.

  • Reduced rate of 6.99% on balance transfers for 15 months
  • 1.5% cash back for every $1 spent on purchases
  • Earn more cash back through our Cash Rewards Mall
  • No Annual Fee or Balance Transfer Fee
  • Quick and safe purchases with a contactless card
  • Flexibility to make purchases on-the-go by saving your card to any Mobile Wallet
  • Deposit cash rewards into your Citadel checking or savings account

Act now and earn cash back today!

Apply Now

Cash Rewards Mastercard Rate

Cash Rewards Mastercard
variable APR

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Why Choose Citadel?

forbes best-in-state credit union

Citadel is a not-for-profit credit union that exists to serve the people, businesses, and neighborhoods of Greater Philadelphia, so they can prosper. We provide our members with all things banking, plus the educational resources and guidance to build and maintain financial security.

Here’s why you should join us:

single checkmark Better rates & low (or no!) fees
single checkmark No tricks or hidden selling tactics
single checkmark Personalized banking experiences, online & in-person
single checkmark Open to anyone who lives or spends time in Southeast PA
single checkmark All you need to do is open a $5 savings account to join

Learn More

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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 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. 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 6.99% for 15 months for 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. Offer may be modified or withdrawn at any time. APR Promotional offer expires March 28, 2023.

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.

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 Offers may be modified or withdrawn at any time.