Skip to main content
Quick Answer

The Citizens Summit Reserve World Elite Mastercard and Citizens Summit World Mastercard are closely matched. Citizens Summit Reserve World Elite Mastercard wins on 1 categories (no current bonus); Citizens Summit World Mastercard wins on 1 (no current bonus). The better pick depends on your spending patterns.

Card Comparison

Citizens Summit Reserve World Elite Mastercard vs Citizens Summit World Mastercard

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Citizens Summit Reserve World Elite Mastercard card art
Citizens Rewards
Citizens Summit Reserve World Elite Mastercard
Citizens Bank
More Info
Citizens Summit World Mastercard card art
Citizens Rewards
Citizens Summit World Mastercard
Citizens Bank
More Info
Annual Fee
$295/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
None
None
Top Earn Rates
  • Dining 3x
  • Grocery Stores 3x
  • Entertainment 3x
  • Dining 3x
  • Grocery Stores 3x
Reward Type
cashback
cashback
Key Credits
  • Monthly Travel Credit $10
  • Monthly Lyft Credit $10
  • Global Entry / TSA PreCheck Credit $120
  • +1 more
None
Card Perks
  • Priority Pass Select (4 visits) (~$140/yr)
None listed

Common Questions: Citizens Summit Reserve World Elite Mastercard vs Citizens Summit World Mastercard

Is the Citizens Summit Reserve World Elite Mastercard or Citizens Summit World Mastercard better for dining?

Citizens Summit Reserve World Elite Mastercard earns 3x on dining; Citizens Summit World Mastercard earns 3x on dining. Citizens Summit Reserve World Elite Mastercard wins for dining.

Which has the higher signup bonus in 2026?

Neither card has a current public signup bonus. Check the issuers' sites for any targeted offers.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Citizens Summit Reserve World Elite Mastercard and the Citizens Summit World Mastercard?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Citizens Bank, so check their specific application rules.