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Unlimited Cash Back in Your Wallet. Every Day.
Cash Rewards Mastercard
*Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.
Earn cash back rewards on your everyday spending. With Citadel’s Cash Rewards Mastercard®, you’ll enjoy unlimited 2.5% cash back on all purchases through December 31, 2024,* a generous credit limit, enhanced security, low annual percentage rates, and no annual fees or balance transfer fees! Your Cash Rewards can be easily deposited right into your Citadel checking or savings account. Plus, you can earn even more on your cash back credit card when you shop at our Cash Rewards Mall. Open a Citadel Cash Rewards Mastercard® and start earning rewards today!
Looking to increase your credit card limit? Apply Now.
No Annual Fee
Pay no annual fee or balance transfer fees.
2.5% Cash Back on all Purchases
Earn 2.5% cash back for every $1 spent on purchases.* Cash rewards can be deposited right into your Citadel checking or savings account.
Easy Redemption
Redeem cash back easily and conveniently using Online and Mobile banking.
Cash Rewards Mastercard Rate
Balance Transfer Calculator
You might realize significant monthly interest savings by transferring your higher rate credit card balances to a lower rate credit card. Use this balance transfer calculator to help determine those potential savings.
Current Credit Cards
Add AnotherSelect a Card to Transfer To
- Introductory Rate:
- Introductory Term:
- Regular Rate: 15.99%
- Annual Fee : 0%
- Transfer Fee Percent: 0%
- Transfer Fee Minimum: $0
Additional Features
- Contactless payments – simply Tap & GoTM
- Deposit cash rewards into your Citadel checking or savings account
- Earn more cash back through our Cash Rewards Mall
- Cash access
- No Balance Transfer Fees. Learn More.
- Generous credit limits
- 25-day grace period on purchases
- ID theft resolution
- Mastercard $0 Liability Protection
- Mastercard Global Service for lost or stolen cards
- Same day issuing of debit and credit cards at most Citadel branch locations
View the full Mastercard Guide to Benefits to learn more.
Digital Banking Tools
- Set up card controls and account alerts in Online & Mobile Banking
- Instant access to your new card in Online & Mobile Banking, so you can add it to Apple Pay or Google Pay before it arrives in the mail
- Secure payments online and in stores when you add your card to the mobile wallet on your smartphone
- Make automatic payments easily with Mastercard Automatic Billing Updater
Fees
$0
Annual Fee
$0
Balance Transfer Fee
5.0%
5.0% Cash Advance Fee (% of amount advanced; $10 minimum)
1.1%
Foreign Transaction Fee (% of transaction amount in U.S. Dollars)
$35
Up to $35 Late Fee
$25
$25 Returned Check Fee
Prefer to speak with a representative before you apply?
Schedule AppointmentFrequently Asked Questions
Yes, all Citadel Credit Cards are eligible for Apple Pay in addition to several other Digital Wallet Products. Learn more about setting up your card with our Digital Wallet partners.
A few preventative measures you can take:
- Treat your debit and credit cards like cash and always keep them in a safe place
- Keep your PIN a secret and do not share it with anyone
- Memorize your PIN and never write it on your card, store it with your card, or let someone else enter it for you
- For added security, Citadel encourages debit card users to sign for safety and choose “credit” as their preferred transaction method when asked “debit or credit” at the check-out counter, eliminating any possibility of someone obtaining your PIN as you enter it
- Do not disclose your PIN over the telephone, email or Internet; no one needs to know your PIN, not even your financial institution
- Report a lost or stolen card immediately to reduce the chance that it will be used improperly and limit your potential liability for unauthorized transactions
- Review your account statements monthly and report any errors (including transactions you believe may be unauthorized) right away
With Citadel’s Cash Rewards Credit Card, you will earn 1.5% cash back for every $1 spent on purchases. Earn even more cash back with your Citadel Cash Rewards Mastercard when you shop at our Cash Back Mall. Easily redeem a specific amount or all of your available cash back at once.
The easiest way to check your rewards points is to log in to Online or Mobile Banking, select the account you would like to view points on, click on the ‘Card Services’ tab and click redeem.
Still have questions? Visit our help center.
*Cash Rewards Bonus Cash Rewards offer: Earn 2.5% cash rewards on net purchases made from 11/1/2024 through 12/31/2024 (“promotional period”). Bonus offer is available for all Cash Rewards cardholders in good standing. Offer expires December 31, 2024.
Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 15.99%-17.99% APR, based on creditworthiness. 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. Cash advance fee is 5% of amount advanced ($10 minimum). Late fee is up to $35. Returned Check Fee is $25. There is no transaction fee for transferring a balance; interest will accrue on any balance transfer in accordance with the cardholder terms and conditions. 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.
If you are not currently a member, Citadel will open a savings account in your name upon approval and fund it with a $5 initial deposit. This savings account will give you access to a variety of Citadel’s products and services. If you have opened a Citadel credit card within the last 90 days you may not be approved for an additional credit card.