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Cash Back in Your Wallet. Every Day.
Cash Rewards Mastercard
Looking for a cash back credit card that earns unlimited cash back on all purchases? Citadel's Cash Rewards Mastercard® is the perfect card for everyday spending with competitive low rates and no annual fee or balance transfer fee. All the cash back you earn can be easily deposited to your checking or savings account any time, and you can earn even more when you shop our Cash Back Mall.
Low APR
Low Rates from 15.49%-17.99% APR
With competitive low rates from 15.49%-17.99% APR based on credit worthiness, this card rewards you for every dollar you spend without racking up extra interest charges.
Extra Cash Back Boost
Boost Your Cash Back with Ultimate Growth Checking
When you combine a Cash Rewards credit card with Citadel's Ultimate Growth Checking Account, you'll get an extra boost to the cash back earned with your Cash Rewards Mastercard®.* Explore the tiers to see how much you could boost your cash back and calculate your potential annual benefits with Ultimate Growth Checking.
Perks & Benefits
Your Cash Rewards Mastercard® also comes with added perks and benefits, including:
- Special Offers in our Cash Back Mall
- Purchase and ID Protection
- Cell Phone Protection Service When You Pay Your Bill With Your Card
- Mastercard $0 Liability Protection
- Secure, Contactless Payments
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: 15.49%
- Annual Fee : 0%
- Transfer Fee Percent: 0%
- Transfer Fee Minimum: $0
Manage It All in Online & Mobile Banking
In addition to checking your balance and transaction history, we make it easy to add your card to mobile wallets and keep track of it all in our app:
Instant card issuance
Card controls & custom alerts
Free credit score tracking
Why Choose Citadel?
Citadel is a not-for-profit credit union that exists to serve the people, businesses, and neighborhoods of Greater Philadelphia, so they can prosper.
Here’s why you should join us:
Better rates & low (or no!) fees
No tricks or hidden selling tactics
Personalized banking experiences, online & in-person
Open to anyone who lives or spends time in Southeast PA
All you need to do is open a $5 savings account to join
Prefer to speak with a representative before you apply?
Schedule AppointmentFrequently Asked Questions
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.
Your Cash Rewards credit card will automatically be linked to your Ultimate Growth Checking Account as long as they are both on the same unique account number. All of your accounts with Citadel will be visible to you in Online & Mobile Banking. Depending on your tier, you'll automatically earn an extra boost to the cash back you receive on purchases made with your Cash Rewards Mastercard®.
If you have an Ultimate Growth Checking Account, you'll fall into one of five tiers based on your checking account balance. Depending on your tier, you can earn an extra boost to the percentage of cash back you receive on purchases made with your Cash Rewards Mastercard®. Explore the tiers and learn more about Ultimate Growth Checking here.
To earn a bigger boost from your Ultimate Growth Checking Account, you'll need to advance to a higher tier based on your checking balance. You can learn more about the requirements and benefits of each tier here.
Still have questions? Visit our help center.
Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 15.49%-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. 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.
Cash Rewards Mastercard
Earn 1.5% cash back on net purchases.
Offers may be modified or withdrawn at any time. Ask for full details.
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.
* Cash Rewards Mastercard: Cash Back 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 cash back rewards.