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COVID-19: All Branch Lobbies Are Closed, Drive-Up Access is Open

As of November 25, our branch lobbies are closed at all locations due to recent spikes in COVID-19. Our drive-up access remains open.  For more information, visit CitadelBanking.com/COVID19.

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Enjoy a low interest credit card with no annual fee.

Save even more when you transfer balances, and pay no balance transfer fees.

Get the Credit Card with a Variable APR as Low as 7.24% APR*

The Citadel Choice Mastercard features a low variable APR, a generous credit limit, and no annual fee. Variable rates as low as 7.24% 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 7.24% APR*
  • Save by paying no annual fee or balance transfer fees*
  • 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

Start shopping with a low interest rate credit card today!

Apply Now

AS LOW AS
7.24%APR
Choice Mastercard
variable APR

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*Agreements and Disclosures

View *Agreements and Disclosures

All Mastercard Accounts


*Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 7.24% - 17.99% APR, based on product and credit worthiness. See product pages for additional information.


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.


All Credit Card Rewards Offers


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.


Cash Rewards Mastercard

Earn 1.5% cash back on net purchases.


Rewards Mastercard

Earn 1 point for every $1 spent on net purchases.


World Mastercard

Earn 2 points for every $1 spent on hotels, restaurants, and airlines, and 1 point on every $1 spent on all other purchases.


Offers may be modified or withdrawn at any time.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