Citadel Credit Union Business Rewards Mastercard®

Citadel Credit Union Business Rewards Mastercard® Review

Key Takeaways

• Signup bonus. Offers a signup bonus of $300 if you spend $3000.
• Signup bonus. Offers a signup bonus of 30000 points after spending $3,000 that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. Citadel Credit Union Business Rewards Mastercard® has a variable purchase APR that ranges from 11.24% up to 17.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1.1% every time you make a transaction outside the U.S.
• Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, identity theft protection, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Citadel Credit Union business credit card

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple business credit card perks. Offers auto rental collision damage waiver. Identity Theft Protection. Cardholders can earn rewards on purchases everywhere Citadel Credit Union Business Rewards Mastercard® is accepted. Citadel Credit Union Business Rewards Mastercard® reports to multiple credit bureaus.	Charges a foreign transaction fee of 1.1%.

Citadel Credit Union business credit card FAQ

Who is Citadel Credit Union business credit card designed for?

This is a credit card issued by Citadel CU. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 11.24% up to 17.99%. The card has a variable balance transfer APR that ranges from 11.24% up to 17.99%.

It also has a variable cash advance APR that ranges from 11.24% up to 17.99%.

What fees does it charge?

The following fees apply to this business credit card:

• There is no annual fee.
• A late payment penalty of up to $35.
• A returned payment fee of up to $25.

Does it offer a cash back rewards program?

Yes, Citadel Credit Union business credit card offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

• Every Purchase
• Gas stations
• Hotels
• Office Supply Stores
• Restaurants

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

• Auto Rental Collision Damage Waiver
• Fraud Liability
• Cellular Telephone Protection
• Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is .

What is the support contact email?

The support contact email for this business credit card is info@citadelbanking.com.

Does Citadel Credit Union Business Rewards Mastercard® report your account activity to credit bureaus?

Yes, Citadel Credit Union Business Rewards Mastercard® reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

• Visit the Citadel CU .
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.