Earn 20,000 bonus points (a $200 value!)* while enjoying a low, fixed rate credit card.

Get a friendly fixed rate as low as 9.99%, plus earn points and enjoy contactless payments.

Earn 1 Point for Every $1 Spent on Everyday Purchases

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

Apply now for a rewards credit card that earns 1 point for every $1 spent with no annual fees. Plus, earn 20,000 bonus points* for a limited time. There's also no balance transfer fees when you transfer a balance from another card.

With a Citadel Rewards Mastercard you’ll:

  • Earn 1X rewards points for every $1 spent on purchases
  • Turn your rewards into cash, easily and automatically with Pay with Rewards
  • Redeem credit card rewards for merchandise, gift cards, cash, statement credits, and more
  • Pay no annual fee or balance transfer fees
  • Make purchases quickly and safely with a contactless card
  • Enjoy a fixed rate as low as 9.99%

Act now and earn credit card rewards today!

Apply Now

Rewards Mastercard
fixed APR

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.

Rewards Mastercard

Earn 20,000 bonus Rewards points (“bonus”) for net purchases totaling $2,000 or more within the first 90 days of card activation 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.

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