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  Citadel Credit Union Choice Mastercard®

Citadel Credit Union Choice Mastercard®

in Personal Credit Cards from Citadel CU

Unaffiliated

Citadel Credit Union Choice Mastercard®

Unaffiliated

in Personal Credit Cards from Citadel CU

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Highlights
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.

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 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.
Pros & Cons of Citadel Credit Union Choice Mastercard®
The Good The Bad
  • The Choice Mastercard features our lowest rate, great for carrying a balance and balance transfers.
  • 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.
  • No annual fee.
  • Access to a concierge.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Citadel Credit Union Choice Mastercard® reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1.1%.
  • You don't earn rewards on every purchase.
Citadel Credit Union Choice Mastercard® FAQ

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. This card has lower than average regular APRs.

Citadel Credit Union Choice Mastercard® 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.

Citadel Credit Union Choice 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 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?

Citadel Credit Union Choice 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 Choice Mastercard®?

The following fees apply:

Citadel Credit Union Choice Mastercard® Fees
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 support contact email for Citadel Credit Union Choice Mastercard®?

The support contact email for Citadel Credit Union Choice Mastercard® is info@citadelbanking.com.

How do people rate the customer service and user experience of Citadel Credit Union Choice Mastercard®?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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.

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.
  • 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
No Annual 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
  • Fraud Liability
  • Concierge
Rewards Type No Rewards
Cash Advance APR (Variable APR) 7.24% - 17.99%
Balance Computation “Average Daily Balance (including new purchases).”
Purchase APR (Variable APR) 7.24% - 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) 7.24% - 17.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Balance Transfer
  • Low Interest
  • Zero Percent
Card Network Mastercard

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