Citadel Credit Union World Mastercard®

Citadel Credit Union World Mastercard® Review

This is a rewards credit card issued by Citadel CU. If you're wondering whether Citadel Credit Union World 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 World Mastercard® has a variable purchase APR that ranges from 10.24% up to 17.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards 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%.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, identity theft protection, travel assistance, trip cancellation insurance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Citadel Credit Union World Mastercard®

The Good

The Bad

Earn double rewards points on hotels, airlines, and restaurants. Exclusive benefits for cardholders, such as Free WIFI, Trip Cancellation and Car Rental Insurance 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 10.24% up to 17.99%. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Identity Theft Protection. Travel assistance insurance Trip cancellation insurance. No foreign transaction fee. Cardholders can earn rewards on purchases everywhere Citadel Credit Union World Mastercard® is accepted. Citadel Credit Union World Mastercard® reports to multiple credit bureaus.

Does not offer a signup bonus.

Citadel Credit Union World Mastercard® FAQ

Does Citadel Credit Union World Mastercard® have a cash back or rewards program?

Citadel Credit Union World Mastercard® is a travel rewards card.

Citadel Credit Union World Mastercard® Rewards

Minimum rewards rate	1x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the Citadel Credit Union World Mastercard® benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Trip Cancellation Insurance
• Zero fraud liability
• Cell Phone Protection
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Citadel Credit Union World 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 World Mastercard® has a variable purchase APR that ranges from 10.24% up to 17.99%. The card has a variable balance transfer APR that ranges from 10.24% up to 17.99%. It also has a variable cash advance APR that ranges from 10.24% up to 17.99%.

What are the fees for Citadel Credit Union World Mastercard®?

The following fees apply:

Citadel Credit Union World Mastercard® Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
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 rewards card.

Does Citadel Credit Union World Mastercard® report your account activity to credit bureaus?

Yes, Citadel Credit Union World 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 World Mastercard®

• Visit the Citadel Credit Union World 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.