Citizens Rewards MastercardCitizens Summit Reserve World Elite Mastercard
Issued by Citizens Bank
Reviewed by the CardCurator Editorial Team
$396/year in trackable credits — never leave money on the table
Earning Categories
Statement Credits
$10 statement credit per month on eligible travel purchases of $10 or more ($120 annual value)
$10 Lyft statement credit each month you spend $25 or more with Lyft ($120 annual value)
Up to $120 statement credit toward Global Entry or TSA PreCheck application fee every 4 years
$3 monthly Peacock Premium statement credit ($36 annual value)
Card Perks
$140/year est. valuePriority Pass membership with 4 complimentary airport lounge visits per year (1,800+ lounges worldwide)
Maximize Your Citizens Rewards Points
Expert tips to get the most value from this program
Program Overview
Citizens Bank's Mastercard credit card suite launched in June 2025. The flagship Summit Reserve (World Elite, $295/yr) earns 3% on dining, groceries, and entertainment with travel credits and Priority Pass access. The no-fee Summit earns 3% on dining and groceries. The Spring card focuses on balance transfers with a long 0% intro APR. The Amp card is for credit building.
Earning Tips
Summit Reserve: 3% dining/groceries/entertainment/streaming, 1.5% all else. Annual fee waived/reduced for Citizens banking customers. Summit: 3% dining/groceries, 1.5% all else. No annual fee. Spring: No rewards — balance transfer focus. Amp: Credit builder.
Redemption Tips
Cash back redeemed as statement credits. 1¢ per point equivalent.
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See how the Citizens Summit Reserve World Elite Mastercard stacks up against other cards side by side — fees, bonuses, earn rates, and more.
Frequently Asked Questions
- What is the annual fee for the Citizens Summit Reserve World Elite Mastercard?
- The Citizens Summit Reserve World Elite Mastercard has an annual fee of $295 per year.
- What is the best category to use the Citizens Summit Reserve World Elite Mastercard for?
- The Citizens Summit Reserve World Elite Mastercard earns 3x on Dining, making it the strongest earning category for this card.
- Does the Citizens Summit Reserve World Elite Mastercard charge foreign transaction fees?
- No, the Citizens Summit Reserve World Elite Mastercard does not charge foreign transaction fees, making it a good choice for international purchases.
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