Earn Unlimited 1.5% Cash Back on Purchases

We’ll give you 1.5% cash back for every $1 you spend!

Enjoy unlimited 1.5% cash rewards and no annual fees

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 by paying no balance transfer fees.*

With a Citadel Cash Rewards Mastercard you’ll:

  • Earn 1.5% cash back for every $1 spent on purchases
  • Have No Annual Fee or Balance Transfer Fees*
  • Have the flexibility to make purchases on the go with a suite of Digital Wallets
  • Have the convenience of cash deposited right into your account
  • Earn even more cash back when you shop at our Cash Rewards Mall

Act now and earn cash back today!

Apply Now

AS LOW AS
11.24%APR
1.5% Cash Rewards Mastercard
variable APR

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Hear From Our Customers

*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.