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Over the next few weeks, you may see some changes on our website, as well as Online and Mobile Banking. As a valued member, we'll keep you informed as we start rolling out changes.   Learn More

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Earn Rewards for Your Business

Earn rewards for your business with the Citadel Business Rewards Mastercard. Get 2 points for every $1 spent on gas and office supplies, and 1.5 points on all other purchases.*

Business Rewards Mastercard

Get More of What You Want

Our Business Rewards Mastercard helps you establish business credit, track your business spending, and preserve cash flow while earning rewards.

business rewards mastercard

Start off with 30,000 points after you spend $3,000 on purchases with your card in the first 3 months* from account opening.

More Rewards

Your rewards points are only the beginning. Register your Business Rewards Mastercard in the Mastercard Easy Savings program and you’ll save even more. Plus, it’s free! Get automatic rebates on hotels, restaurant, gas and rental expenses on qualified purchases at thousands of participating merchants nationwide.

Business Rewards Mastercard

More Control

Citadel Card Control gives you greater peace of mind with absolute control over how, when, and where you and authorized employees can use your business credit card.

  • Set individual spending limits for employees
  • Manage location and merchant-type usage
  • Get instant transaction alerts

More Security

Simple. Safe. Secure. Your Citadel Business Rewards Mastercard provides some of the best protection against fraud, identity theft and other cybersecurity threats in the industry.

  • $0 fraud liability
  • Automatic fraud alerts
  • Identify theft protection
  • EMV chip security

Additional Features

  • Citadel Card Control
  • Low APR
  • Generous credit limits
  • Zero liability protection
  • Car Rental Insurance
  • MasterCoverage® (Employee Misuse Insurance)
  • Easy Savings (Merchant funded rebates)
  • Cyber Security/ID Theft Resolution Services
  • Microsoft 365 Discount Offer
  • QuickBooks/Turbo Tax Discount Offer
  • View the full Mastercard Guide to Benefits for more information!

In addition to the Business Rewards Mastercard, Citadel offers local business lending services.

Learn More

Citadel Business Rewards Rate

AS LOW AS
11.24%APR
Business Rewards Mastercard

Apply online today!

Get Started
Best For...
Businesses looking for a cash rewards card with a low rate
Business owners who want to easily manage business spending and control individual limits

Interested in more Business products? Speak with a Commercial Loan Officer today!

owner occupied
Jackie Garress
Commercial Loan Officer
commercial loans
John Hamilton
Commercial Loan Officer

Hear From Our Customers

Business Rewards Mastercard Frequently Asked Questions

What is Mastercard Rewards?
Mastercard Rewards is a free loyalty program available to all Citadel cardholders. Mastercard Rewards provides the ultimate choice in rewards—merchandise, gift cards, travel— along with Pay with Rewards™ which allows you to pay with points anywhere Mastercard is accepted.
How do I access my Mastercard Rewards account?

To access your rewards account log into Online and Mobile Banking, click 'Manage Cards' from the main menu, 'Rewards' from the drop down menu on the left navigation and select the account you wish to access

Do points expire?

All card rewards have a 5 year expiration date. Rewards will expire on 12/31 of their 5th full year of life. For example, a point is earned in 2007. It's first year towards the 5 year expiration date is 2008, and will expire on 12/31/2012.


Debit card rewards will remain available for redemption until they reach the expiration date.

How do I earn business points?

You earn points simply by using your Citadel Business Rewards Mastercard. The breakdown is below:


2 points for every $1 spent on gas and office supplies; 1.5 points for every $1 spent on other purchases. The following types of transactions will not earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind.

How do I redeem my business points?
The Mastercard Business Rewards portal provides you the ability to manage, redeem and transfer rewards you have earned. The portal is accessible through Online and Mobile Banking.

*Agreements and Disclosures

View *Agreements and Disclosures

*Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 11.24% - 17.99% APR, based on credit worthiness.


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. Cash advance fee is up to 5% of amount advanced ($10 minimum). Late fee is up to $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. 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.


Business Rewards Mastercard

30,000 New Account Bonus Points Award


Earn 30,000 bonus Rewards points (“bonus”) for net purchases totaling $3,000 or more within the first 90 days of card activation date (“promotional period”). Bonus offer for new credit lines only. Limit one new account bonus per credit line per promotional period. Net purchases on all cards linked to a credit line will be included in net purchase total calculation for bonus eligibility. Account must be in good standing at time of bonus posting. Credit line must be open for 90 days before bonus will be awarded. Bonus will be posted to primary card within 60 days of end of promotional period. Bonus offer may be modified or withdrawn at any time.


Standard Rewards Points

Earn 2 points for every $1 spent on gas and office supply category net purchases. Earn 1.5 points for 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 setup to process the purchase. For additional Citadel Business Rewards program details, please visit Citadelbanking.com/BusinessRewards.  


Offers may be modified or withdrawn at any time. Ask for full details.