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Reassurance and Confidence
“Citadel allows me to conduct and manage my personal business with reassurance and confidence.”
Earn Rewards for Your Business
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. Plus, enjoy the added security of contactless payments. Open now!
Already a Citadel Business cardholder? Switch to our Business Rewards Mastercard and you could earn up to 30,000 bonus points* (a $300 cash value)! Get Started.
Start off with 30,000 points (a $300 value!) after you spend $3,000 on purchases with your card in the first 3 months* from the time of credit card open date.
Premium Rewards on Business Purchases
Earn 2 points for every $1 spent on gas and office supplies, and 1.5 points for every $1 spent on all other purchases.
Get Started
30,000 Bonus Points
Get 30,000 points (a $300 value!) to start after spending $3,000 in the first 3 months.
Get Started
No Balance Transfer or Annual Fee
There’s no fee for transferring your balance OR any annual fee.
Start Today
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.
More Control
In Online & Mobile Banking, you can set up card controls to manage how, when, and where you and your authorized employees can use your card(s).
- 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
With the Business Rewards Mastercard you can establish business credit, track your spending, and more!
Get StartedAdditional Features
- Safe & secure contactless payments - simply Tap & Go®
- See which accounts are connected to your card by selecting "Card Services" in your checking or credit card account in Online & Mobile Banking.
- Low APR
- Generous credit limits
- Zero liability protection
- Car Rental Insurance
- Easy Savings (Merchant funded rebates)
- Mastercard ID Theft Protection
- Microsoft 365 Discount Offer
- QuickBooks/Turbo Tax Discount Offer
- Same day issuing of debit and credit cards at most Citadel branch locations
- View the full Mastercard Guide to Benefits for more information!
†Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.
Citadel Business Rewards Rate
AS LOW AS
15.99%APR
Business Rewards Mastercard
variable APR
Turn your rewards into cash! Learn how you can easily get a statement credit or use rewards while shopping.
Explore NowInterested in more Business Banking products? Connect with an expert today!
Hear From Our Members
Exceptional Personal Service
“All of us at Hatt's True Value Hardware in Thorndale, appreciate the great service and exceptional personal service Citadel provides our business.”
Made My Business Efficient and Profitable
“Citadel has provided steady communication over the years and when a new business product became available, I was the first to know. If I had a new business request, I brought it to the attention of Citadel and products were created to meet my needs. I was very impressed that Citadel considered my needs and actually created products to help my business grow. By listening to my business needs, Citadel ALWAYS found a way to help make my business more efficient and profitable. As my business continues to flourish, I look forward to the way that Citadel will grow with me.”
Long Time Retail Customer
“ The amazing service I get on my commercial account is a huge. As a long time retail customer, I just naturally continued working with Citadel when I needed commercial accounts. Naturally, their local, individually focused customer service is a part of their commercial culture too. They have the products I need, and their responsiveness to those needs is one of my secret weapons, and a major competitive advantage for my business.”
Citadel Member For Over 40 Years
“I have numerous businesses with multiple properties and mortgages that were due for balloon payments. Having been a Citadel member for over 40 years, I decided to reach out to their Business Lending department. I met with a local branch manager and the VP of Business Lending to explain my current situation and lending needs. They completely understood my business goals and I was able to apply for a loan online. The VP showed up for closing which meant a lot to me as a customer. Now, I can manage all of my banking both for my business and personal needs on one website. Thanks Citadel!”
Very Knowledgeable, Helpful and Patient
“I have recently opened a new business account with Citadel and my experience has been very positive. In conjunction with my new business account, I took out a mortgage with Citadel after finding out their rates are competitive. The entire experience set me at ease as the people I worked with were very knowledgeable, helpful and patient. I highly recommend this credit union.”
Easy Decision To Bank With Citadel
“We all need to bank somewhere. To me, it's an easy decision to do so with Citadel. Citadel treats you like a friendly neighbor, cares about your family, your Business Lending needs and supports the community across the region. Personally, I've been treated amazing at every level; from the CEO all the way to the tellers. Citadel has a truly amazing culture, the company is well managed and focused on You!”
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 your credit card account and in the ‘Card Services’ tab click ‘Redeem’.
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 2021. It's first year towards the 5 year expiration date is 2022, and will expire on 12/31/2026.
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.
Still have questions? View a complete list of Business Rewards Mastercard FAQs
†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 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 (excluding World Mastercard). 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.
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.
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 credit card open 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 set up 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.