Last Updated: 07/28/2025
Citadel Credit Union Cash Rewards Mastercard®
Unaffiliated
in Credit Cards from Citadel CU
Last Updated: 07/28/2025
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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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Credit Score Range
600 - 850
Annual Fee
$0
Citadel Credit Union Cash Rewards Mastercard® Review
This is a cashback credit card issued by Citadel CU. If you're wondering whether Citadel Credit Union Cash Rewards Mastercard® is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 9 months, which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 9 months.
- APRs: Citadel Credit Union Cash 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers. After the introductory period, the fee is 0%.
- 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 credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, identity theft protection, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Citadel Credit Union Cash Rewards Mastercard®
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Citadel Credit Union Cash Rewards Mastercard® FAQ
Does Citadel Credit Union Cash Rewards Mastercard® have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Citadel Credit Union Cash Rewards Mastercard® have a signup bonus?
This card doesn't offer a cash signup bonus.Does Citadel Credit Union Cash Rewards Mastercard® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Citadel Credit Union Cash Rewards Mastercard® benefits?
Citadel Credit Union Cash Rewards Mastercard® provides the following benefits:
- Emergency Support
- Zero fraud liability
- Cell Phone Protection
- Reports to major credit bureaus
What are the relevant APRs for Citadel Credit Union Cash Rewards Mastercard®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Citadel Credit Union Cash Rewards Mastercard® 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 Citadel Credit Union Cash Rewards Mastercard® have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 9 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 11.24% - 17.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 9 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Citadel Credit Union Cash Rewards Mastercard® have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 9 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 9 months.
What are the fees for Citadel Credit Union Cash Rewards Mastercard®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Citadel Credit Union Cash Rewards Mastercard® have a foreign transaction fee?
Citadel Credit Union Cash Rewards Mastercard® charges a foreign transaction fee of up to 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 card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Citadel Credit Union Cash Rewards Mastercard®?
The customer service number for Citadel Credit Union Cash Rewards Mastercard® is .
What is the support contact email for Citadel Credit Union Cash Rewards Mastercard®?
The support contact email for Citadel Credit Union Cash Rewards Mastercard® is info@citadelbanking.com.
What is the login page for Citadel Credit Union Cash Rewards Mastercard®?
You can access the login page of Citadel Credit Union Cash Rewards Mastercard® here.
How do people rate the customer service and user experience of Citadel Credit Union Cash Rewards Mastercard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Citadel Credit Union Cash Rewards Mastercard® report your account activity to credit bureaus?
Yes, Citadel Credit Union Cash Rewards Mastercard® reports to the following credit bureaus:
- 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 build your credit.
Does Citadel CU perform a hard credit pull?
Yes, Citadel Credit Union Cash Rewards Mastercard® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Citadel Credit Union Cash Rewards Mastercard®
- Visit the website of Citadel Credit Union Cash Rewards Mastercard®.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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