Citizens Rewards MastercardCitizens Summit World Mastercard
Issued by Citizens Bank
Reviewed by the CardCurator Editorial Team
Earning Categories
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 World 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 World Mastercard?
- The Citizens Summit World Mastercard has no annual fee.
- What is the best category to use the Citizens Summit World Mastercard for?
- The Citizens Summit World Mastercard earns 3x on Dining, making it the strongest earning category for this card.
- Does the Citizens Summit World Mastercard charge foreign transaction fees?
- No, the Citizens Summit World Mastercard does not charge foreign transaction fees, making it a good choice for international purchases.
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