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  Citadel Credit Union World Mastercard®

Citadel Credit Union World Mastercard®

in Personal Credit Cards from Citadel CU

Unaffiliated

Citadel Credit Union World Mastercard®

Unaffiliated

in Personal Credit Cards from Citadel CU

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Highlights
Purchase APR  (Variable APR) 10.24% - 17.99%
Balance Transfer APR  (Variable APR) 10.24% - 17.99%
Credit Score Range 650 - 850
Annual Fee $0

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. 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 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 oods if your credit score is above650.
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.
  • 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.
  • 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

Does Citadel Credit Union World Mastercard® have a signup bonus?

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

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. It has lower than average regular APRs.

It 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%.

Does Citadel Credit Union World 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 World 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 10.24% - 17.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

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

Citadel Credit Union World 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 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® have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Citadel Credit Union World Mastercard®?

The Citadel Credit Union World Mastercard® customer service number is .

What is the support contact email for Citadel Credit Union World Mastercard®?

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

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.

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) Starting at 1
Restaurants (Points) Starting at 2
Airfare (Points) Starting at 2
Every Purchase (Points) Reap the benefits of a travel rewards credit card that earns 2X points per every dollar spent on hotels, restaurants, and airlines with no foreign transaction fees. Earn even more when you get 1 point for every $1 spent on all of your other everyday purchases.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 9 months
Foreign Currency Transaction Fee 0%
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
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 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Trip Cancellation Insurance
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Assistance
  • Concierge
Rewards Categories
  • Travel
  • Airfare
  • Hotels
  • Restaurants
  • Every Purchase
Cash Advance APR (Variable APR) 10.24% - 17.99%
Balance Computation “Average Daily Balance (including new purchases).”
Purchase APR (Variable APR) 10.24% - 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) 10.24% - 17.99%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Balance Transfer
  • Travel
  • Zero Percent
Card Network Mastercard

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