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Credit Cards Built for Your Life
Citadel Credit Cards
We offer a variety of credit card options that feature everyday low rates, no surprise fees, and secure contactless payments. Plus, you can add your card to your mobile wallet like Apple Pay or Google Pay for quick, easy payments online and in stores.
Now through December 31, 2024, you'll also earn unlimited 2.5% cash back on all purchases1 with our Cash Rewards Mastercard®.
Let’s find the card that works for you.
World Mastercard
Cash Rewards Mastercard
Automatically earn unlimited 2.5% cash back on every purchase*
Everyday low rates
2.5% cash back on all purchases1
Easy point redemption
No annual fee
No balance transfer fee
Choice Mastercard
Perfect for building credit, carrying a balance, or transferring a balance
Everyday low rates
25-day grace period on purchases
Enhanced security
No annual fees
No balance transfer fees
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
Want to connect with an expert now?
Video ChatInformation accurate as of and is subject to change without notice. APR=Annual Percentage Rate. APR will be a variable rate of 15.74%-17.99% for Cash Rewards Mastercard, APR will be a variable rate of 14.74%-17.99% for World Mastercard, and APR will be a variable rate of 11.74%-17.99% for Choice Mastercard. All APRs are based on credit worthiness. See product pages for additional information. 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. 1.1% Foreign transaction fee applies for transactions initiated in foreign currencies (excluding World Mastercard). Cash advance fee is 5% of amount advanced ($10 minimum). Late fee is $35.00. Returned Check Fee is up to $25.00. There is no transaction fee for transferring a balance; interest will accrue on any balance transfer in accordance with the Cardholder terms and agreement. 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 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.
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.
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.
World Mastercard
Earn 2 points for every $1 spent on hotels, restaurants, and airlines, and 1 point on every $1 spent on all other purchases.
Offers may be modified or withdrawn at any time. Ask for full details.
