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  Citadel Credit Union Cash Rewards Mastercard®

Citadel Credit Union Cash Rewards Mastercard®

in Personal Credit Cards from Citadel CU

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Citadel Credit Union Cash Rewards Mastercard®

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in Personal 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 600 - 850
Annual Fee $0

Citadel Credit Union Cash Rewards Mastercard® Review

Citadel Credit Union Cash Rewards Mastercard® 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. This is everything you need to know to make a good choice.

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 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 oods if your credit score is above600.
Citadel Credit Union Cash Rewards Mastercard® Pros & Cons
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.
  • 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.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Identity Theft Protection.
  • Considers applicants with fair or poor 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

Is there a Citadel Credit Union Cash Rewards Mastercard® cash back or rewards program?

Citadel Credit Union Cash Rewards Mastercard® is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Citadel Credit Union Cash Rewards Mastercard® you receive 1.5% cash back on every 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?

Citadel Credit Union Cash Rewards Mastercard® doesn't offer a cash signup bonus.

Does Citadel Credit Union Cash Rewards Mastercard® offer an annual loyalty bonus?

Citadel Credit Union Cash Rewards Mastercard® 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
  • Cellular Telephone 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Citadel Credit Union Cash Rewards Mastercard® has lower than average purchase 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 introductory APR offer on balance transfers?

Yes, Citadel Credit Union Cash Rewards Mastercard® offers an introductory 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 introductory 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 introductory 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 to Citadel Credit Union Cash Rewards Mastercard®:

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

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 a foreign transaction fee.

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.

Availability

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

Feature Breakdown

Every Purchase (Points) 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.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 9 months
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1.1%
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)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
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%
Balance Computation “Average Daily Balance (including new purchases).”
Purchase APR (Variable APR) 11.24% - 17.99%
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%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Zero Percent
Card Network Mastercard

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