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Disclosures","recordId":"official-issuer:page:url:343ecc435a94d15ee622e4e8d68f2cdafaa1673af6eb7360db574d66b8e8ac80","recordFields":[],"fieldKey":"network"}]},"signupBonuses":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T04:33:28.000Z","sources":[{"snapshotId":"51959","sourceKind":"official_issuer","publisherName":"CITADEL","capturedAt":"2026-10-14T04:33:28.000Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.citadelbanking.com/business-loans/business-rewards-mastercard","passageId":"9c6cd5102988f35b50238809d4417722","pageNumber":null,"quote":"Earn 30,000 bonus Rewards points (“bonus”) for net purchases totaling $3,000 or more within the first 90 days of credit card open date (“promotional period”). Bonus offer for new credit lines only. Limit one new account bonus per credit line per promotional period. Net purchases on all cards linked to a credit line will be included in net purchase total calculation for bonus eligibility. Account …","recordId":"official-issuer:page:url:4280499e114580c60da93a181dea523fb8c0ee7103dff5714be472b71921cab0","recordFields":[],"fieldKey":"signup_bonus"}],"bonusKey":"signup_bonus","qualifyingMonthsAfterAccountOpening":null,"qualifyingMonthsNullReason":"not_applicable","payoutWeeksMinimum":null,"payoutWeeksMaximum":null,"payoutWeeksNullReason":"not_applicable","payoutWeeksAnchor":null,"bonusPoints":30000,"minimumPurchaseCents":300000,"minimumPurchaseNullReason":null,"qualifyingDaysAfterAccountOpening":90,"qualifyingDaysNullReason":null,"statementCreditRedemptionCents":null,"statementCreditRedemptionNullReason":"not_disclosed","payoutStatementCyclesMinimum":null,"payoutStatementCyclesMaximum":null,"payoutStatementCyclesNullReason":"not_disclosed","expirationOn":null,"expirationNullReason":"not_disclosed","conditions":"  Earn 30,000 bonus Rewards points (“bonus”) for net purchases totaling $3,000 or more within the first 90 days of credit card open date (“promotional period”). Bonus offer for new credit lines only. Limit one new account bonus per credit line per promotional period. Net purchases on all cards linked to a credit line will be included in net purchase total calculation for bonus eligibility. Account must be in good standing at time of bonus posting.  Credit line must be open for 90 days before bonus will be awarded. Bonus will be posted to primary card within 60 days of end of promotional period. Bonus offer may be modified or withdrawn at any time.","qualificationConditions":[],"qualificationConditionSources":[]}],"cardRewards":[{"effectiveFrom":"2026-10-14","effectiveTo":null,"lastObservedAt":"2026-10-14T04:33:28.000Z","sources":[{"snapshotId":"51959","sourceKind":"official_issuer","publisherName":"CITADEL","capturedAt":"2026-10-14T04:33:28.000Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.citadelbanking.com/business-loans/business-rewards-mastercard","passageId":"67f6192f0207f46c87367582fc0f829b","pageNumber":null,"quote":"Earn 2 points for every $1 spent on gas and office supply category net purchases. Earn 1.5 points for every $1 spent on all other net purchases. 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 a…","recordId":"official-issuer:page:url:4280499e114580c60da93a181dea523fb8c0ee7103dff5714be472b71921cab0","recordFields":[],"fieldKey":"card_reward"},{"snapshotId":"51959","sourceKind":"official_issuer","publisherName":"CITADEL","capturedAt":"2026-10-14T04:33:28.000Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.citadelbanking.com/business-loans/business-rewards-mastercard","passageId":"2ea31ba4e22ec1409cd8321970ad101d","pageNumber":null,"quote":"provides the ultimate choice in rewards—merchandise, gift cards, travel— along with Pay with Rewards™ which allows you to pay with points anywhere Mastercard is accepted.","recordId":"official-issuer:page:url:4280499e114580c60da93a181dea523fb8c0ee7103dff5714be472b71921cab0","recordFields":[],"fieldKey":"card_reward:qualification:0"},{"snapshotId":"51959","sourceKind":"official_issuer","publisherName":"CITADEL","capturedAt":"2026-10-14T04:33:28.000Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.citadelbanking.com/business-loans/business-rewards-mastercard","passageId":"3e6e7a399b0159cc0dacba54aec5b131","pageNumber":null,"quote":"All card rewards have a 5 year expiration date. 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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."],"qualificationConditionSources":[{"snapshotId":"51959","sourceKind":"official_issuer","publisherName":"CITADEL","capturedAt":"2026-10-14T04:33:28.000Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.citadelbanking.com/business-loans/business-rewards-mastercard","passageId":"2ea31ba4e22ec1409cd8321970ad101d","pageNumber":null,"quote":"provides the ultimate choice in rewards—merchandise, gift cards, travel— along with Pay with Rewards™ which allows you to pay with points anywhere Mastercard is accepted.","recordId":"official-issuer:page:url:4280499e114580c60da93a181dea523fb8c0ee7103dff5714be472b71921cab0","recordFields":[],"fieldKey":"card_reward:qualification:0"},{"snapshotId":"51959","sourceKind":"official_issuer","publisherName":"CITADEL","capturedAt":"2026-10-14T04:33:28.000Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.citadelbanking.com/business-loans/business-rewards-mastercard","passageId":"3e6e7a399b0159cc0dacba54aec5b131","pageNumber":null,"quote":"All card rewards have a 5 year expiration date. 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The percentage cap cannot be represented as an exact percentage.","sources":[{"snapshotId":"51959","sourceKind":"official_issuer","publisherName":"CITADEL","capturedAt":"2026-10-14T04:33:28.000Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.citadelbanking.com/business-loans/business-rewards-mastercard","passageId":"70a7fc9c4c51f7e85d0a7e35f4f5e88d","pageNumber":null,"quote":"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. 1.1% Foreign transaction fee applies for transactions initiated in foreign currencies (excluding World Mastercard). Cash advance fee is up to 5% of amount advanced ($10 minimum). Late fee is up to $35.00. Returned Check Fee is up to …","recordId":"official-issuer:page:url:4280499e114580c60da93a181dea523fb8c0ee7103dff5714be472b71921cab0","recordFields":[],"fieldKey":"withheld:card_fee:cash-advance-unparsed"}]},{"observationKind":"card_apr","fieldKey":"apr-unparsed","reason":"unparsed_value","detail":"The source states standard APRs but supplies no retained capture date or literal ISO effective date.","sources":[{"snapshotId":"51959","sourceKind":"official_issuer","publisherName":"CITADEL","capturedAt":"2026-10-14T04:33:28.000Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.citadelbanking.com/business-loans/business-rewards-mastercard","passageId":"881e6386b7fc4e966851eccb4f5f9a6a","pageNumber":null,"quote":"and is subject to change without notice. APR=Annual Percentage Rate. Standard rates range from 14.99%-17.99% APR, based on credit worthiness.","recordId":"official-issuer:page:url:4280499e114580c60da93a181dea523fb8c0ee7103dff5714be472b71921cab0","recordFields":[],"fieldKey":"withheld:card_apr:apr-unparsed"}]},{"observationKind":"card_reward","fieldKey":"base-rewards-unparsed","reason":"unparsed_value","detail":"The all-other-purchases complement has no sourced merchant category codes; its base tier is omitted.","sources":[{"snapshotId":"51959","sourceKind":"official_issuer","publisherName":"CITADEL","capturedAt":"2026-10-14T04:33:28.000Z","effectiveOn":"2026-10-14","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.citadelbanking.com/business-loans/business-rewards-mastercard","passageId":"4289801c1467e42e3d874aba24c51f2f","pageNumber":null,"quote":"Earn 2 points for every $1 spent on gas and office supplies, and 1.5 points for every $1 spent on all other purchases.","recordId":"official-issuer:page:url:4280499e114580c60da93a181dea523fb8c0ee7103dff5714be472b71921cab0","recordFields":[],"fieldKey":"withheld:card_reward:base-rewards-unparsed"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[]}}