Welcome to your Citizens Summit Reserve® World Elite Mastercard®

Cash back rewards:

• 3% unlimited cash back on dining and groceries^†
• 3% unlimited cash back on entertainment such as concerts, sporting events, Broadway shows and museums, as well as streaming services including Netflix, Hulu, Disney+, Discovery+, Peacock, Spotify, Apple Music® and Apple TV®^†
• 1.5% unlimited cash back on everything else^†

Unlock over $750 in travel benefits:

• Global Entry and TSA PreCheck®: When you pay the application fee with your Summit Reserve card, get up to $120 for a Global Entry Application or TSA PreCheck® Application, and a rewards credit will be posted to your account within 3 billing cycles.^†
• Priority Pass™ Airport Lounge Access: Cardholders can use their Priority Pass digital membership card to access 1,700+ Priority Pass airport lounges ($99 value). Each membership will also have four lounge visit fees waived per year ($140 value).^† Action required: You must enroll by visiting prioritypass.com/citizens. If you do not enroll via the designated link, you may incur incorrect charges. Learn More
• Annual Travel Credits: Receive a $10 statement credit (up to $120 annually) when you charge $10 or more on eligible travel purchases - ex: airlines, trains, hotels, resorts, etc. - each billing cycle.^†
• Lyft Credits and Discounts: There are three ways you can save with Citizens and Lyft:
1. Citizens Lyft Statement Credit: Get a $10 statement credit ($120 annual value) each month you spend $25 or more on Lyft rides using your Summit Reserve card.^† Learn More
2. Lyft Take 3, Get $5: Receive a $5 Lyft credit after taking three rides in a calendar month using your Summit Reserve card.^† Learn More
3. Lyft Airport: Lyft users who book a ride to an airport in the United States using the "Schedule a Ride" feature will get 10% off the Scheduled Ride's upfront pricing^† as reflected at the time of booking the Scheduled Ride. Learn More

Peacock: Get $3 off Peacock Premium or Peacock Premium Plus each month that you use your Summit Reserve card to subscribe, and stay on top of the newest movies, shows and live sports.^† Learn More

Instacart: Get three months of free deliveries with Instacart+ and $10 off your second order each month.^† Action required: To claim your benefit, visit Instacart.com/mastercard-offer.

No Foreign Transaction Fees: Use your card while traveling outside the U.S. without incurring additional fees.¹

Citizens Concierge: Contact a 24/7 personal assistant at 1-833-253-6569 to reserve that perfect table, locate hard-to-find items and more.^† Learn More

Soho Friends Program: Sign up with your Summit Reserve card to receive a complimentary Soho Friends account and stay in Soho House bedrooms across the globe at preferred rates. Plus, enjoy $100 towards a bedroom stay. Action required: To claim your benefit, visit sohohouse.com/soho-friends-mastercard.^†

Mastercard Travel Rewards®: Enhance your travel experience with valuable, automatic cash back rewards at hundreds of hotel, transportation, dining, entertainment and retail merchants when traveling internationally. Following applicable purchases, statement credits will be delivered automatically into cardholders' accounts by issuing bank(s); no coupons and no promotional codes required. New merchant offers and destinations are added quarterly.^†Learn More

Mastercard Transit Benefit: Save when you tap and go with your Summit Reserve card and receive a $2.50 statement credit when you spend $10 or more each month at participating transit locations.^† Learn More

Mastercard Travel and Lifestyle Services®: Access a suite of benefits, including Lowest Hotel Rate Guarantee, Hotel Stay Guarantee, Private Jet Program and Private Car Service.^† Action required: To claim your benefit, visit travel.mastercard.com.

Citizens Priceless: Access exceptional in-person and digital experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe exclusively for World Elite Mastercard® cardholders.^† Learn More

Mastercard Golf: Swing away at TPC Network Clubs, as well as golf school and travel packages that'll make you feel like a tour pro.^† Learn More

Music and Entertainment Access: Gain access to preferred tickets and ticket presales at top venues and festivals across the U.S. Explore specific festivals, venue locations, dates and more.^† Learn More

Mastercard ID Theft Protection™: Get ID Theft Protection provided on a 24-hour basis, 365 days a year.^† Contact 1-800-MASTERCARD if you believe you have been a victim of identity theft. Action required: You must enroll by visiting mastercardus.idprotectiononline.com.

Mastercard Zero Liability Protection:

You will not be held responsible for unauthorized transactions^† if:

• You have used reasonable care in protecting your card from loss or theft; and

• You promptly reported loss or theft to your financial institution.

• If you suspect unauthorized use of your card, contact Citizens IMMEDIATELY at 1-866-455-9444.

Learn More

Mastercard Global Services®: When you're out-of-country and in need of assistance - including assistance with Lost and Stolen Card Reporting and Emergency Card Replacement - you can reach a Mastercard Global Service Representative who can help you in any language.^† In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) and Canada, call 1-800-307-7309.

For country-specific, toll-free telephone numbers not listed above, visit mastercard.com or call the United States collect at 1-636-722-7111.

Healthlock™: Enjoy a complimentary membership for HealthLock for Mastercard® Medical Claim Monitor and a free 90-day upgrade to all HealthLock services.^† Action required: To claim your benefit, visit HealthLock.com/mastercard.

Annual Fee Waived or Reduced: $200 fee waiver ($95 Annual Fee) for customers that maintain a Citizens Quest® Checking Account relationship. Full $295 fee waiver ($0 Annual Fee) for customers that maintain a Citizens Private Client® Checking account relationship.^† For new credit card accounts, the annual fee is charged on the second statement cycle after account opening. After that, the fee is charged each year on your card's anniversary date based on the date that your card was opened. If you product change from a different Citizens credit card, your annual fee will be charged on your card's anniversary date. Your anniversary date resets to the date of your product change, and your annual fee will be billed on that new anniversary each year.

Sleek Metal Card: 18-gram metal card features a distinctive notch design that makes it easier to find when you need it.

Add Authorized Users: Add up to four authorized users at no extra cost, each with their own metal card.

Contactless Payments: Tap & Go™ with for fast, easy and secure checkout wherever you see the contactless pay symbol.

Digital Wallet: Use your device’s digital wallet, Including Apple Pay®, Samsung Pay™, and Google Pay™ to pay in-store, online and in app.^†

Worldwide Recognition: Acceptance at more than 36 million Mastercard locations worldwide.