Easy to Earn. Easy to Redeem.

Redeem your points when you’re ready, the way you want.

Rewards Points

Rewards points are easy to earn with your Citadel credit card and they’re also easy to redeem. Earn cash rewards, hotel stays, home goods and more with your Citadel rewards points.

Plus, you can combine your points to earn rewards even faster. Simply complete this form.

Easy to Redeem

Credit card rewards points can be earned with as few as 2,500 points. You can also save points for an even bigger and better reward. When you’re ready, there are a few easy ways to redeem your points:

  1. If you are an Online Banking User, just log in and select “Rewards Points” from the left menu. Then, select “Manage Your Rewards Points” to be automatically logged into Rewards Points. From there, you can monitor your points and start redeeming!
  2. If you are not an Online Banking user, you can visit our Rewards Points page and create an account to review and redeem your points.
  3. You can also print our Rewards Brochure, which has a redemption form attached.

Remember, rewards points do expire after five years, so make sure to redeem them for cash rewards, gift cards, vacations, and much more! Check your statement for any points expiring.

Choose from a variety of rewards.

Citadel offers many different exciting rewards options:

  • Cash
  • Gift cards (to your favorite stores, popular restaurants, and more)
  • Round-trip flights
  • Hotel stays
  • Cruises
  • Electronics
  • Home goods
  • Recreation equipment

Redeem your points today.

Earn cash rewards earned with your Citadel Cash Rewards MasterCard­®.

Learn More

Citadel’s Cash Back Mall gives you even more cash back on dining, shopping online, or in-store.

Learn More

Frequently Asked Questions

How do I earn rewards points?

To earn reward points:

For debit cards, every $3 spent you will earn 1 point. For Mastercard Rewards, every $1 spent earns you 1 point. There are 1.5% cash back on all purchases for our Mastercard Cash Rewards.

Does Citadel offer a cash rewards program?

Yes, Citadel does have a cash rewards program for our Cash Rewards Credit card.


What is my credit card limit?

To find out your credit card limit you will want to follow the below steps:

You may either log into online banking or contact Citadel to find out your current credit card limit.

Does Citadel offer credit cards with points for travel?

Our World credit card earns 2 points for air travel, hotels, and restaurant purchases for each $1 spent and 1 points for all other purchases for each $1 spent.


Still have questions? Visit our help center.