Get the Credit Card with a Low Variable APR

The Citadel Choice Mastercard features a low variable APR, a generous credit limit, and no annual fee. Variable rates as low as 10.74% APR* make the Choice Mastercard the perfect credit card for transferring a balance.

Apply Now for the Citadel Choice Mastercard and you can:

• Enjoy a variable credit card interest rate as low as 10.74% APR*
• Save by paying no annual fee*
• Make purchases quickly and safely with a contactless card
• Have the flexibility to make purchases on the go with a suite of Digital Wallets
• Keep your card information updated for automatic payments with Mastercard Automatic Billing Updater
• Enjoy a 25-day grace period on purchases

Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 10.74%-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 5% of amount advanced ($10 minimum). Late fee is up to $35.00. Returned Check Fee is $25.00. There is a 5% ( $5 minimum) 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. 

* Choice Mastercard Introductory Rate: Earn 4.99% APR for all purchases, cash advances, and balance transfers made within 274 days of open date (“promotional period”). Introductory offer for new credit lines only.  

Offers may be modified or withdrawn at any time.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