Citadel Credit Union Choice Mastercard®
in Personal Credit Cards from Citadel CU
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| Purchase APR (Variable APR) | 7.24% - 17.99% |
| Balance Transfer APR (Variable APR) | 7.24% - 17.99% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Citadel Credit Union Choice Mastercard® Review
This is a credit card issued by Citadel CU. If you're wondering whether Citadel Credit Union Choice Mastercard® is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- 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 Choice Mastercard® has a variable purchase APR that ranges from 7.24% up to 17.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, 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.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
| The Good | The Bad |
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Does Citadel Credit Union Choice Mastercard® have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Citadel Credit Union Choice Mastercard® benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Citadel Credit Union Choice 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. It has lower than average regular APRs.It has a variable purchase APR that ranges from 7.24% up to 17.99%. The card has a variable balance transfer APR that ranges from 7.24% up to 17.99%. It also has a variable cash advance APR that ranges from 7.24% up to 17.99%.
Does Citadel Credit Union Choice 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.
| Description | |
|---|---|
| Balance Transfer Fee % After Intro Period | 0% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 9 months |
| Balance Transfer APR | 7.24% - 17.99% |
| Balance Transfer Fee Minimum | $0 |
| Balance Transfer Fee % | 0% |
Does Citadel Credit Union Choice 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 up to 9 months.
What are the fees for Citadel Credit Union Choice Mastercard®?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1.1% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $35 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Citadel Credit Union Choice Mastercard® have a foreign transaction fee?
Citadel Credit Union Choice 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 Choice Mastercard®?
The Citadel Credit Union Choice Mastercard® customer service number is .
What is the support contact email for Citadel Credit Union Choice Mastercard®?
The support contact email for Citadel Credit Union Choice Mastercard® is info@citadelbanking.com.
Does Citadel Credit Union Choice Mastercard® report your account activity to credit bureaus?
Yes, Citadel Credit Union Choice 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 Choice Mastercard®
- Visit the Citadel Credit Union Choice 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.
Contact
- Headquarters
-
520 Eagleview Boulevard
Exton, PA 19341 - Visit Site
- Email Support
Other Services by Citadel CU
Availability
- 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
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 9 months |
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