| APR for purchases | — | |
| APR for balance transfers | — | |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | — | |
| Transaction fees |
| Cash advance | — | |
| Balance transfer | — | |
| Foreign transaction | — | |
| Penalty fees |
| Late payment | — | |
| Returned payment | — | |
| Opening conditions | . All APRs are based on credit worthiness. See product pages for additional information. Offer subject to credit approval. Applicant must be at least 18 years of age. Variable APR is an interest rate that can vary with the market based on the Prime Rate. $0 (0% of the Foreign Transaction balance amount in U.S. dollars). Cash advance fee is 5% of amount advanced ($10 minimum). Late fee is $35.00. Returned Check Fee is up to $25.00. There is a 5% ( $5 minimum) transaction fee for transferring a balance; interest will accrue on any balance transfer in accordance with the Cardholder terms and agreement. Citadel will not process any balance transfer requests that are from any other existing Citadel Loan. All terms, including fees and APRs for new transactions, may be subject to change. See CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Opening conditions | If you are not currently a member, Citadel will open a savings account in your name upon approval and fund it with a $1 initial deposit. This savings account will give you access to a variety of Citadel’s products and services. If you have opened a Citadel credit card within the last 90 days you may not be approved for an additional credit card. CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Opening conditions | If you are not currently a member, Citadel will open a savings account in your name upon approval and fund it with a $1 initial deposit. This savings account will give you access to a variety of Citadel’s products and services. If you have opened a Citadel credit card within the last 90 days you may not be approved for an additional credit card. CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Opening conditions | If you are not currently a member, Citadel will open a savings account in your name upon approval and fund it with a $1 initial deposit. This savings account will give you access to a variety of Citadel’s products and services. If you have opened a Citadel credit card within the last 90 days you may not be approved for an additional credit card.CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| All purchases within 180 days of open datewithin 180 days of open date | 2 points per $1. See source conditions for eligible purchases.CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| hotels, restaurants, and airlinesNot disclosed | 2 points per $1. See source conditions for eligible purchases.CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| hotels, restaurants, and airlinesNot disclosed | 2 points per $1. See source conditions for eligible purchases.CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| all purchases made within 180 days of open datewithin 180 days of open date | 2 points per $1. See source conditions for eligible purchases.CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Hotels, restaurants, and airlinesNot disclosed | 2 points per $1. See source conditions for eligible purchases.CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| First 180 days180 days from open date | 2 points per $1. See source conditions for eligible purchases.CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards conditionsAll purchases within 180 days of open date | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Earn 2 points for every $1 spent on all purchases made within 180 days of open date (“promotional period”). Bonus offer for new credit lines only. Rewards are earned on purchases minus any credits or returns (“net purchases”). CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards source conditionsAll purchases within 180 days of open date | Rewards are earned on purchases minus any credits or returns (“net purchases”).CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards source conditionsAll purchases within 180 days of open date | Cash advances and balance transfers are not considered purchases and will not earn rewards.CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards source conditionsAll purchases within 180 days of open date | For category bonus rewards, merchants are assigned a merchant category code by the merchant or its processor in accordance with Mastercard procedures based on the kinds of products and services the merchant primarily sells. Citadel does not control the assignment of these codes and is not responsible for the codes used by merchants. You may expect a purchase to earn rewards within a category, but if the code assigned to the merchant isn’t within that category, your purchase will not qualify for the bonus points. In addition, some purchases made through third-party accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology may not qualify in a rewards category, depending on how the technology is set up to process the purchase.CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards conditionshotels, restaurants, and airlines | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Rewards are earned on purchases minus any credits or returns (“net purchases”). Cash advances and balance transfers are not considered purchases and will not earn rewards. Earn 2 points for every $1 spent on hotels, restaurants, and airlines, and 1 point on every $1 spent on all other net purchases. CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards source conditionshotels, restaurants, and airlines | Rewards are earned on purchases minus any credits or returns (“net purchases”).CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards source conditionshotels, restaurants, and airlines | Cash advances and balance transfers are not considered purchases and will not earn rewards.CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards source conditionshotels, restaurants, and airlines | For category bonus rewards, merchants are assigned a merchant category code by the merchant or its processor in accordance with Mastercard procedures based on the kinds of products and services the merchant primarily sells. Citadel does not control the assignment of these codes and is not responsible for the codes used by merchants. You may expect a purchase to earn rewards within a category, but if the code assigned to the merchant isn’t within that category, your purchase will not qualify for the bonus points. In addition, some purchases made through third-party accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology may not qualify in a rewards category, depending on how the technology is set up to process the purchase.CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards conditionshotels, restaurants, and airlines | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Rewards are earned on purchases minus any credits or returns (“net purchases”). Cash advances and balance transfers are not considered purchases and will not earn rewards. Earn 2 points for every $1 spent on hotels, restaurants, and airlines, and 1 point on every $1 spent on all other net purchases. CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards conditionsall purchases made within 180 days of open date | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Earn 2 points for every $1 spent on all purchases made within 180 days of open date (“promotional period”). Bonus offer for new credit lines only. Rewards are earned on purchases minus any credits or returns (“net purchases”). CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards conditionsHotels, restaurants, and airlines | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Rewards are earned on purchases minus any credits or returns (“net purchases”). Cash advances and balance transfers are not considered purchases and will not earn rewards. Earn 2 points for every $1 spent on hotels, restaurants, and airlines, and 1 point on every $1 spent on all other net purchases.CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards source conditionsHotels, restaurants, and airlines | For category bonus rewards, merchants are assigned a merchant category code by the merchant or its processor in accordance with Mastercard procedures based on the kinds of products and services the merchant primarily sells. Citadel does not control the assignment of these codes and is not responsible for the codes used by merchants. You may expect a purchase to earn rewards within a category, but if the code assigned to the merchant isn’t within that category, your purchase will not qualify for the bonus points. In addition, some purchases made through third-party accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology may not qualify in a rewards category, depending on how the technology is set up to process the purchase.CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards conditionsFirst 180 days | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Earn 2 points for every $1 spent on all purchases made within 180 days of open date (“promotional period”). Bonus offer for new credit lines only. Rewards are earned on purchases minus any credits or returns (“net purchases”). Cash advances and balance transfers are not considered purchases and will not earn rewards. CITADEL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
