Citizens Rewards
Estimated value: 1.0¢ per points
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.
Best next action
Understand how Citizens Rewards fits your rewards plan.
Use the program facts below to decide whether to earn, transfer, or simply keep this program on your shortlist.
Cards in This Program
1.0¢
per points (baseline)
Cash back redeemed as statement credits. 1¢ per point equivalent.
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.