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  Citadel Credit Union Cash Rewards Mastercard®
Citadel Credit Union Cash Rewards Mastercard®
in Credit Cards from Citadel CU
Unaffiliated

Citadel Credit Union Cash Rewards Mastercard®

Unaffiliated
in Credit Cards from Citadel CU
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Highlights
Purchase APR  (Variable APR) 11.24% - 17.99%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 11.24% - 17.99%
(Verified 08/04/2023)
Credit Score Range 600 - 850
Annual Fee $0

Citadel Credit Union Cash Rewards Mastercard® Review

This is a cashback 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% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 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 up to 9 months.
  • Competitive APRs. Citadel Credit Union Cash 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.
  • $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 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of Citadel Credit Union Cash Rewards Mastercard®

The Good The Bad
  • Automatically earn 1.5% cash back on every dollar you spend everywhere! Cash Rewards can be deposited right into your checking or saving account. All with no annual fee or balance transfer fee.
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 9 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 9 months. There is then a variable purchase APR that ranges from 11.24% up to 17.99%.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Identity Theft Protection.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on purchases everywhere Citadel Credit Union Cash Rewards Mastercard® is accepted.
  • Citadel Credit Union Cash Rewards Mastercard® reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1.1%.

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. You will receive 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

Citadel Credit Union Cash Rewards Mastercard® Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit N/A

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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 up to 9 months.

Citadel Credit Union Cash Rewards Mastercard® Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 9 months
Balance Transfer APR 11.24% - 17.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

Does Citadel Credit Union Cash Rewards Mastercard® have an intro APR offer on new purchases?

Citadel Credit Union Cash Rewards Mastercard® Purchase Intro Offer
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 up to 9 months.

What are the fees for Citadel Credit Union Cash Rewards Mastercard®?

The following fees apply:

Citadel Credit Union Cash Rewards Mastercard® Fees
Fees Amount
Annual Fee $0
Overlimit Fee $
Initial Program Fee $
Foreign Transaction Fee 1.1%
Returned Payment Fee Starting at $ up to $25
Late Payment Fee Starting at up to $35

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 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 Citadel Credit Union Cash Rewards Mastercard® customer service number 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 Citadel Credit Union Cash Rewards Mastercard® login page?

You can access the Citadel Credit Union Cash Rewards Mastercard® login page 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 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 for Citadel Credit Union Cash Rewards Mastercard®

  • Visit the Citadel Credit Union Cash Rewards Mastercard® website.
  • 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.

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.

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 9 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1.1%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $25
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Emergency Support
  • Fraud Liability
  • Cellular Telephone Protection
  • Concierge
Rewards Rates
  • Every Purchase
Cash Advance APR (Variable APR) 11.24% - 17.99%
APR Type Variable APR
Balance Computation “Average Daily Balance (including new purchases).”
Purchase APR (Variable APR) 11.24% - 17.99%
(Verified 08/04/2023)
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 9 months
Balance Transfer APR (Variable APR) 11.24% - 17.99%
(Verified 08/04/2023)
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Zero Percent
Card Network Mastercard

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