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  Citadel Credit Union Business Rewards Mastercard®

Citadel Credit Union Business Rewards Mastercard®

in Business Credit Cards from Citadel CU

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Citadel Credit Union Business Rewards Mastercard®

Unaffiliated

in Business Credit Cards from Citadel CU

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Highlights
Purchase APR  (Variable APR) 11.24% - 17.99%
Balance Transfer APR  (Variable APR) 11.24% - 17.99%
Credit Score Range 650 - 850
Annual Fee $0

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 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
  • 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%.

Does it have an introductory APR offer?

No, this business card does not come with an introductory APR offer for balance transfers.

This business credit card does not offer an introductory rate on new purchases.

Citadel Credit Union business credit card Rates & Terms
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.

Citadel Credit Union business credit card Fees
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 rewards program?

This 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

Does it have a sign up bonus?

Yes, it offers card users a signup bonus worth up to $300 after you spend $3000.

However, it does include a 30000 points signup bonus after you spend $3000 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.

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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Citadel Credit Union Business Rewards Mastercard®

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. 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.

Feature Breakdown

Annual Fee $0
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) Starting at 5%
Cash Advance Fee Minimum $10
Foreign Currency Transaction Fee 1.1%
Late Fee Amount Up to $35
Minimum Cash Advance Fee ($) Starting at $10
Returned Payment Fee Up to $25
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Cellular Telephone Protection
Rewards Rates
  • Gas
  • Hotels
  • Office Supplies
  • Restaurants
  • Every Purchase
Signup Bonus Starting at $300
Signup Bonus (points) 30,000
Balance Computation “Average Daily Balance (including new purchases).”
Cash Advance APR (Variable APR) 11.24% - 17.99%
Purchase APR (Variable APR) 11.24% - 17.99%
Balance Transfer Fee % 0%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Fee Minimum $0
Balance Transfer APR (Variable APR) 11.24% - 17.99%
Card Network Mastercard
Card Type
  • Rewards
  • Low Interest
  • Cashback
  • Bonus Offers

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