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Earn 2X Rewards Points1 on Travel & Restaurants®
World Mastercard
Looking for credit cards for travel without extra fees and high interest rates? Citadel’s World Mastercard® comes equipped with travel benefits, 2X rewards points at restaurants, airlines, and hotels, and 1 point per $1 on everything else. It’s the travel buddy you never knew you needed.
Low APR
Low Rates from 14.49%-17.99% APR
You can save on interest with competitive, low rates from 14.49%-17.99% APR, based on credit worthiness. We make it easier to build and maintain credit responsibly with lower rates that help you pay off your balance sooner.
Fewer Fees
No Annual Fee, Balance Transfer Fee, or Foreign Transaction Fees
With no annual fee, balance transfer fees, or foreign transaction fees, you’ll keep more money in your pocket to spend on your next adventure. Whether it’s a coffee run, quick bite, date night, or late night, you should be empowered to spend on experiences – not fees.
2X Points
2X Rewards Points on Travel & Restaurants1
You’ll earn 2X rewards points on travel & restaurants and 1 point per $1 on everything else, so you can double up close to home, on the road, and across the globe.
Perks & Benefits
Your World Mastercard® also comes with tons of travel credit card perks and benefits, including:
- TSA PreCheck & Global Entry Rebate3
- No Foreign Exchange Fees
- Master RoadAssist Roadside Service & Mastercard Airport Concierge
- Trip Cancellation/Trip Interruption Insurance
- Mastercard Global Service for Lost or Stolen Cards
- Mastercard $0 Liability Protection
- Secure, Contactless Payments
Apply for a credit card at Citadel.
Get StartedWorld Mastercard Rate
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
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
- Regular Rate: 15.49%
- Annual Fee : 0%
- Transfer Fee Percent: 0%
- Transfer Fee Minimum: $0
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
Find an ATM or Branch Near You
Frequently Asked Questions
Citadel World Mastercard offers you double rewards points for every $1 you spend on hotels, restaurants, and airlines, and 1 point on every $1 spent on all other purchases.
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.
Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 14.49%-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. A 0% foreign transaction fee applies for transactions initiated in foreign currencies. 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.
1 Rewards Points: 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. Earn 2 points for every $1 spent on hotels, restaurants, and airlines, and 1 point on every $1 spent on all other net purchases.
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 set up to process the purchase.
2 World Mastercard Bonus Points Earn 2 points for every $1 spent on all purchases made within 180 days of open date (“promotional period”). Bonus offer for new credit lines only. 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.
3 Each cardholder is eligible for 1 rebate, up to $120 every 4 years for transactions through the following merchants: TSA PRECHECK BY CLEAR, TSA PRECHECK BY TELOS, IDEMIA TSA PRECHECK or USCUSTOMS TRUSTEDTRAVE. The rebate will be posted within 30 days of the purchase and will be applied as a credit on the card utilized to make the purchase.
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.
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