Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 14.99% - 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. 0% 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 Offer may be withdrawn at any time.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.
World 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 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.
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