Last Updated: 04/18/2025
Citadel Credit Union Business Rewards Mastercard®
Unaffiliated
in Business Credit Cards from Citadel CU
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
11.24% - 17.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
11.24% - 17.99%(Verified 06/21/2024)
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Annual Fee
$0
Credit Score Range
650 - 850
Citadel Credit Union Business Rewards Mastercard® Review
This is a cashback card issued by Citadel CU. If you're wondering whether Citadel Credit Union Business Rewards Mastercard® is the right card for you, read on.
Key Takeaways
- Signup bonus. Offers a signup bonus of up to $300.
- Welcome offer. Offers a signup bonus of 30000 points that can be redeemed for travel, gifts, or other perks.
- APRs: Citadel Credit Union Business Rewards Mastercard® has a variable regular 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 up to 1.1% every time you make a transaction outside the U.S.
- Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, identity theft protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Citadel Credit Union business credit card
| The Good | The Bad |
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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% .
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 11.24% - 17.99% |
| Balance Transfer APR | 11.24% - 17.99% |
| Cash Advance APR | 11.24% - 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 charge a foreign transaction fee?
This business card charges a foreign transaction fee of 1.1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $22. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 1.1% |
| Balance Transfer Fee | 0% |
| Minimum Balance Transfer Fee | $0 |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $35 |
Does it offer a cash back or 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:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | Starting at $300 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 30,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
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| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
- Gas stations
- Hotels
- Office Supply Stores
- Restaurants
Does it have a sign up bonus?
Yes, it offers card users a signup bonus worth up to $300 .
However, it does include a 30000 points signup bonus that can be redeemed for travel, gifts, or other perks.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
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