Warning Icon

COMING SOON: We’re introducing a new look for Citadel’s brand!

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

Close Warning Icon

Up to $250 Balance Transfer Bonus with NO Balance Transfer Fees!*

Transfer your balance to Citadel and get paid up to $250 with no balance transfer fees.*

Transfer your balance today with no Balance Transfer fees!

Transferring a balance to your Citadel credit card is easy. Get paid up to $250*! We will pay you 2% of the amount you transfer to your Citadel Mastercard. Plus, pay no balance transfer fees!

Don't have a Citadel credit card? Here are three easy ways to transfer your balances from high rate credit cards to a low rate Citadel Mastercard:

What you'll need before submitting your Balance Transfer request:

✔ Be sure to list your most important transfer first on the form.
✔ It is best to submit your balance transfer request two weeks prior to your creditor’s payment due date.
✔ If you do not submit within two weeks of your payment due date, please make your minimum payment to the creditor to avoid any late payment penalties.

Choose the Citadel Mastercard that is right for you

Learn More

Find an ATM or Branch Near You

Hear From Our Customers

Balance Transfer Frequently Asked Questions

Are there any fees tied to Balance Transfers?

No. There are no Balance Transfer fees when you transfer your money from another financial institution. In addition, you can make unlimited Balance Transfers to your Citadel Mastercard.

What are the benefits of doing a Balance Transfer?

Balance Transfers are a great way to avoid interest and save you money when transferring your balance to a low APR credit card. This could help in many ways, for example, debt consolidation, additional credit card perks and simplifying your finances and monthly payments.

How do I do a Balance Transfer to my Citadel Mastercard?

Transferring balances to your Citadel Mastercard is simple! Log into Online and Mobile Banking > Click ‘Manage Cards’ from the drop-down menu > Select ‘Balance Transfer Form’. From here, you will be able to select up to three creditors to transfer your funds to your Citadel Mastercard.

Will I have to pay interest on my Balance Transfer?

Yes, you will have to pay interest on your Balance Transfer. Transfers to a Citadel Mastercard are treated as cash advances and will begin to accrue interest immediately.

Still have questions? Visit our help center.

*Agreements and Disclosures

View *Agreements and Disclosures

All Mastercard Accounts


*Information accurate as of and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 7.24% - 17.99% APR, based on product and 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 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.


Balance Transfer Cash Back Bonus:

We will credit your primary Citadel savings account with 2% of the amount of balances transferred from a non-Citadel credit card(s). Maximum credit of $250 per card account during offer period. Cash back bonus deposit will be made within 90 days from the date of the transfer. Account must be active and in good standing at the time the funds are deposited. In order to receive the bonus, balances transferred to your Citadel card must remain on the card for a minimum of 45 days. Minimum transfer amount is $500. Offer valid for new and existing Citadel Mastercard credit card customers. Transfer requests must be received 2 weeks prior to payment due date so that we can process your request. If you are not able to do this, please submit a minimum payment to the creditor in order to avoid any late payment penalties. Transfers to a Citadel Mastercard are treated as cash advances and will begin to accrue interest immediately. Offer not available for Business Accounts. Balance Transfer Cash Back Bonus Offer expires 10/2/2020 and may be modified or withdrawn at any time.


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 setup to process the purchase.


Cash Rewards Mastercard

Earn 1.5% cash back on net purchases.


Rewards Mastercard

Earn 1 point for every $1 spent on net purchases.


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.