Mastercard Rewards Frequently Asked Questions

You earn points simply by using your Citadel Mastercard. The breakdown for each type of card is:

• Rewards Mastercard: 1 point for every $1 spent.
• World Mastercard: 1 point for every $1 spent; 2 points for every $1 spent on hotel, airlines and restaurants.
• Business Mastercard:  2 points for every $1 spent on gas and office supplies; 1.5 points for every $1 spent on other purchases.

All card rewards have a 5 year expiration date. Rewards will expire on 12/31 of their 5th full year of life. For example, a point is earned in 2021. It's first year towards the 5 year expiration date is 2022, and will expire on 12/31/2026.

Debit card rewards will remain available for redemption until they reach the expiration date.

Yes, any points associated to a card linked to your SSN will be viewable once you select My Mastercard Rewards in Online and Mobile Banking. You will also see points for any authorized users you have added to your account. Any points earned on a joint owner’s card will be viewable by the joint cardholder only.  

Mastercard Rewards confirmation emails or the eCertificate for eGift Cards may go to your Junk or Spam folders. Please be sure to add rewards@notify-email.com to your contact and/or safe senders list.

To access your rewards account log into Online and Mobile Banking, click your credit card account and in the ‘Card Services’ tab click ‘Redeem’.

You earn reward points for ALL purchase activity with the exception of the transactions identified below:

• Betting including lottery, gaming, chips, track wagers
• Manual or automated cash disbursements at any financial institution
• Money transfer agent or wire transfer
• Foreign currency/quasi-cash at a non-financial institution
• Tax Payments
• Truck stop transactions

Pay with Rewards can be used anywhere Mastercard is accepted. By using the Pay with Rewards mobile app, you can determine how many points you’d like to redeem, along with where and when you’d like to redeem them.

The following merchants do not qualify for Pay with Rewards: hotels, car and truck rental agencies, gas stations, and cruise ships. Please refer to the Terms & Conditions for additional information.