General disclosures
Annual fee: Annual Fee per Account. No additional fee for Authorized User(s). $200 Fee Waiver ($95 Annual Fee) for customers that maintain a Citizens Quest Checking Account relationship. $295 Fee Waiver ($0 Annual Fee) for customers that maintain a Private Bank and/or Private Client Checking Account relationship. Cardholder must have stated Citizens Account relationship at Credit Card Account Opening and at each subsequent Account anniversary date in order for the waiver to apply. Otherwise, the full Annual Fee will be charged to the Account. Account relationship will be assessed periodically. The Annual Fee for new credit card customers is charged on the second statement cycle, and each subsequent Annual Fee will be charged on the card's anniversary date. The Annual Fee for existing Citizens cardholders is charged on the card's anniversary date.
Annual travel credits: Spend $10 or more in a statement cycle on eligible travel purchases and earn a $10 statement credit on your Citizens Summit Reserve® World Elite Mastercard® Credit Card: Maximum earn is 1 credit per statement cycle, up to 12 credits per year ($120 maximum benefit per year). Eligible travel purchases include those made at retailers whose merchant category code is one of the following: airlines, trains, hotels, resorts, local mass commuter transportation, including ferries, and trains. Purchases made through a third-party site or by a vendor that does not categorize themselves under one of the qualifying travel merchant category codes will not be eligible for the statement credit. Purchases are submitted and categorized by the merchant. Merchants are assigned a merchant code, which is determined by the merchant, or its processor based on the products and services they primarily sell. Citizens does not choose the merchant code or control how purchases are classified. You will not receive the statement credit if the merchant's code is not eligible. Credit based on posting date and will be processed after an eligible purchase is posted and that billing cycle closes. Offer subject to change or cancellation without notice.
Citizens Concierge: Citizens Summit Reserve Card Concierge Phone number +1 (833) 253-6569.
Citizens Lyft program: Get a $10 statement credit each month you charge $25 or more of Lyft rides to your Summit Reserve card. Offer Period: Starting at 12:01 AM Eastern Time March 15, 2025 until 11:59 PM Eastern Time January 31, 2026, subject to early termination.
Citizens Priceless: For additional details, visit citizensbank.com/priceless.
Citizens Summit Reserve® World Elite Mastercard® Private Bank Rewards Program: You will earn 3% Rewards Points for every dollar you spend on eligible purchases made in the restaurant, grocery store (excluding Walmart® and select superstores), and entertainment (including streaming services) merchant categories with your Citizens Summit Reserve® World Elite Mastercard®. You will earn 1.5% Reward Points for every dollar you spend on all other eligible net purchases with no limits, as long as your account is in good standing. Purchases are submitted and categorized by the merchant. Merchants are assigned a merchant code, which is determined by the merchant or its processor based on the products and services they primarily sell. Citizens does not choose the merchant code or control how purchases are classified. A purchase will not receive the additional Reward Points if the merchant's code is not eligible. This Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide when your account is opened. The Reward Guide will explain the program, including the following: A) Earn cash back rewards on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Please refer to your Reward Guide for complete program terms and conditions. B) Cash Back Rewards will not expire as long as your credit card account is in good standing, and you make an eligible purchase once every twelve (12) months. C) Program subject to change. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor. E) Other terms may apply and will be included in the Agreement.
Citizens Summit Reserve® World Elite Mastercard® Rewards Program: You will earn 3% Rewards Points for every dollar you spend on eligible purchases made in the restaurant, grocery store (excluding Walmart® and select superstores), and entertainment (including streaming services) merchant categories with your Citizens Summit Reserve® World Elite Mastercard®. You will earn 1.5% Reward Points for every dollar you spend on all other eligible net purchases with no limits, as long as your account is in good standing. A Card account is in good standing if your Card is open and has charging privileges. Purchases are submitted and categorized by the merchant. Merchants are assigned a merchant code, which is determined by the merchant, or its processor based on the products and services they primarily sell. Citizens does not choose the merchant code or control how purchases are classified. A purchase will not receive the additional Reward Points if the merchant's code is not eligible. This Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide when your account is opened. The Reward Guide will explain the program, including the following: A) Earn cash back rewards on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Please refer to your Reward Guide for complete program terms and conditions. B) Cash Back Rewards will not expire as long as your credit card account is in good standing, and you make an eligible purchase once every twelve (12) months. C) Program subject to change. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor. E) Other terms may apply and will be included in the Agreement.
Citizens Summit® World Mastercard® Rewards Program: You will earn 3% Rewards Points for every dollar you spend on eligible purchases made in the restaurant and grocery store (excluding Walmart® and select superstores) merchant categories with your Citizens Summit® World Mastercard®. You will earn 1.5% Reward Points for every dollar you spend on all other eligible net purchases with no limits, as long as your account is in good standing. Purchases are submitted and categorized by the merchant. Merchants are assigned a merchant code, which is determined by the merchant, or its processor based on the products and services they primarily sell. Citizens does not choose the merchant code or control how purchases are classified. A purchase will not receive the additional Reward Points if the merchant's code is not eligible. This Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide when your account is opened. The Reward Guide will explain the program, including the following: A) Earn cash back rewards on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Please refer to your Reward Guide for complete program terms and conditions. B) Cash Back Rewards will not expire as long as your credit card account is in good standing, and you make an eligible purchase once every twelve (12) months. C) Program subject to change. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor. E) Other terms may apply and will be included in the Agreement.
Credit building: Citizens reports information about your Account to credit bureaus. Payments made by your billing statement due date can help build or establish your credit. Negative credit information, including late payments, missed payments, or other defaults on your Account may be reflected in your credit report and may adversely impact your ability to build credit. Subject to individual credit approval.
Credit score: A prequalification request will not impact your credit score. Rate estimates / terms subject to change after full application review. A subsequent application will result in an inquiry on your credit report.
Creditworthiness: You must meet other applicable underwriting criteria. When we evaluate your creditworthiness, we consider all the information you provide on your application, your credit report, and other information. If you have a credit score, we may use that in our evaluation. Not having a credit record may impact your chance of approval. Independent ability to make the required minimum payment amounts or a signed agreement from a co-signer is required.
Global Entry and TSA PreCheck: To be eligible for a rewards credit you must use your Citizens Summit Reserve® World Elite Mastercard® to pay the application fee. Citizens has no control over either program including, but not limited to, applications, approval process or enrollment, or fees charged by US Customs Border Protection or TSA, and has no liability regarding any aspect of either the Global Entry or TSA PreCheck®. Additional terms apply.
HealthLock™: Enrolled users receive, at no cost, Medical Claim Monitor, plus a premium upgrade to Medical Claim Saver for the first 90 days. After 90 days, users will continue to receive Medical Claim Monitor at no monthly cost and have the option to continue with Medical Claim Auditor for $4.99 per month or Medical Claim Saver for $19.99 per month. See full terms at healthlock.com/mastercard.
Instacart+: Begins September 1, 2025, and ends January 31, 2027, subject to early termination. Eligible Mastercard U.S. Credit cardholders, and Mastercard U.S. Debit cardholders who are new Instacart+ subscribers, can receive three months of free Instacart+. Eligible U.S. Mastercard® credit cardholders who are new or existing Instacart+ customers, and all Mastercard U.S. debit cardholders who are new to Instacart+ as of September 1, 2025, can receive $10 off on their second qualifying order of $10 or more each month. Must have an active Instacart+ membership paid for with an eligible card and complete one qualifying Instacart order each month. Service fees, other fees, taxes and/or tips may apply to deliveries. By redeeming this offer, you agree to the Instacart+ terms and if you select a paid plan, your Instacart+ membership will auto-renew and the applicable membership fee will be billed automatically to any payment method on file until you cancel. Additional terms apply, please visit www.instacart.com/p/mastercard-offer.
Lyft airport: Beginning 4/1/2024 and running through 1/31/2027, subject to early termination. Lyft users who book a ride to an airport in the United States using the “Schedule a Ride” feature using their U.S.-issued World Elite Mastercard consumer credit, World Mastercard for Business credit, or World Elite Mastercard for Business credit card will get ten percent (10%) off the Scheduled Ride’s upfront pricing as reflected at the time of booking the Scheduled Ride. Lyft Business Profiles and accounts are not eligible; only Scheduled Rides ordered in personal mode are eligible. Tips on Scheduled Rides are not included within the ten percent (10%) discount and the full ride cost must be paid for using an eligible card. Payments made using digital wallets are not eligible for this promotion. Valid only in the United States. By participating in the program, you agree to Lyft's terms. Additional terms apply, please visit https://www.lyft.com/mastercard#airports.
Lyft benefit: Beginning 4/1/21 and running through 1/31/2027, Lyft users can participate in Lyft and Mastercard's Take 3, Get $5 program ("Program") by taking and partially or fully paying for three (3) Eligible Rides in a calendar month to receive a $5 Lyft credit ("Credit"). The rides must be paid for with an eligible World or World Elite Mastercard credit card (Apple Card® is not eligible for this program, but Apple Pay or Google Pay may be eligible if your World or World Elite Mastercard credit card is the funding source). Limit one Credit per calendar month per Lyft account. An "Eligible Ride" is any Lyft ride type, excluding business rides and bicycle and scooter rental rides. Valid only in the USA. Whether a ride qualifies as an Eligible Ride for purposes of the Credit will be determined in Lyft's sole discretion. Credits expire thirty (30) days after application. Limited time only and while supplies last. By participating in the Program, you agree to these terms and Lyft's Terms of Service, and you agree that Lyft and Mastercard may share your information for the purposes of tracking and processing the Credit and may use anonymized, aggregated data for business analytics and offer optimization. Credits may take up to two (2) days to be applied to your Lyft account.
Mastercard Global Services®: For additional information, or for country-specific details visit our website at mastercard.com or call the United States collect at 1-636-722-7111. Full details also available in Guide to Benefits.
Mastercard Golf: For additional details, visit priceless.com/golf/.
Mastercard ID Theft Protection™: Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your guide to benefits for details, call 800-MASTERCARD or visit mastercardus.idprotectiononline.com/general/legal/terms-of-service.
Mastercard® Issuer: Credit cards are issued by Citizens Bank, N.A. pursuant to license by Mastercard International Incorporated.
Mastercard Transit Benefit: Open only to individuals with an eligible U.S., México, Puerto Rico, Dominican Republic, Jamaica, Argentina, and Chile-issued Mastercard credit or debit cards AND select U.S.-issued Mastercard prepaid cards. Ends 12/31/27. Use your eligible Mastercard credit, debit or prepaid card to make a contactless public transit purchase (initiated at point of entry) to processes a minimum of $10 in contactless transactions within any given calendar month and receive a $2.50 statement credit. Public transit is defined as rail system for Port Authority Trans-Hudson; bus and light rail system for New Jersey Transit Corporation; bus and subway for Washington Metropolitan AreaTransitAuthority; bus and streetcar for Dallas Area Rapid Transit; bus, subway and metro for Chicago Transit Authority, Pace Suburban Bus, Miami-Dade County Department of Transportation and Public Works, and Southeastern Pennsylvania Transportation Authority; and bus, subway and ferry for Massachusetts Bay Transportation Authority. Purchase transactions involving PIN-based debit, international transactions, Mastercard® Corporate transactions or other transactions requiring a PIN for completion, are not eligible for this Offer. Your $2.50 statement credit will be automatically applied to your card within 60 days of purchase. Limit 1 credit per participant per calendar month. For a list of financial institutions that are not participating in this benefit, visit https://www.mastercard.us/content/dam/public/mastercardcom/na/us/en/documents/mastercard-transit-benefit.pdf. For full Terms & Conditions, visit http://mastercard.com/transitbenefit. Terms subject to change.
Mastercard Travel and Lifestyle Services (World Mastercard®): Enjoy free nights at partner hotels, hundreds of staycation offers, amenities and upgrades at properties in our portfolio, savings and status upgrades on cars and RV rentals and personal airport concierge service for that extra peace of mind. Learn more by visiting http://travel.mastercard.com.
Mastercard Travel and Lifestyle Services (World Elite Mastercard®): As a World Elite Mastercard® cardholder, you have access to Mastercard® Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class travel companies across hotels, air travel, tours, cruises, car rentals and more*. Get the most from all your travels whether you are planning a last-minute getaway or your dream family vacation. As a Mastercard® cardholder, you have access to a lifestyle manager that will help you plan your vacation - complimentary, at your convenience, 24 hours a day, 7 days a week. Plus, take advantage of the Mastercard Lowest Hotel Rate Guarantee** and Mastercard Hotel Stay Guarantee*** which deliver value and peace of mind.* Travel & Lifestyle Services are provided by Ten Lifestyle Group plc. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Services.** Mastercard Lowest Hotel Rate Guarantee: If you book a qualifying ‘prepaid hotel rate’ or ‘pay at local hotel rate’ hotel stay through the Mastercard Travel & Lifestyle Services program either online or through an authorized program agent using your Mastercard and then find the same hotel room type, in the same hotel, for the same dates, the same number of children and adults, at a lower price online, before taxes and fees, we’ll refund you the difference. To receive a refund you must submit a claim as described in the Terms & Conditions prior to your stay and at least seventy-two (72) hours before the date of your reservation check-in.*** Mastercard Hotel Stay Guarantee: The Mastercard Travel & Lifestyle Services Hotel Stay Guarantee is simple – if you book your three star or higher hotel stay through the Mastercard Travel & Lifestyle Services program and you encounter problems with the hotel, contact Ten Lifestyle Group plc, the designated travel agent for the Mastercard Travel & Lifestyle Services program at Toll free (US): +1 855 802 1387 during your stay and a Ten lifestyle manager will attempt to make it right for the remainder of your stay by working directly with the hotel to try to resolve your issue or will make efforts to find you comparable accommodations. Certain terms, conditions and exclusions apply. This benefit may be subject to change without prior notice. Please visit http://travel.mastercard.com/product/terms for the latest benefit information and terms & conditions.
Mastercard Travel Rewards: Valid for eligible Mastercard World Elite credit cardholders in the U.S. See full terms and conditions at http://mtr.mastercardservices.com/en/chtnc.
Mastercard Zero Liability Protection: For more information visit https://www.citizensbank.com/account-safeguards/unauthorized-transaction-policy.aspx.
MoviePass: Get 50% off your first two months of a new Standard or Premium MoviePass plan with your eligible Mastercard at moviepass.com/mastercard. Offer valid until 1/31/2026, subject to early termination. Customers who purchase a new MoviePass Standard Subscription Plan or a new MoviePass Premium Subscription Plan at moviepass.com/mastercard using an eligible U.S. Standard Mastercard consumer credit card will receive a 50% discount on the first two months of the applicable monthly subscription price. For full terms and conditions visit moviepass.com/mastercard.
Music and Entertainment Access (Mastercard®, World Mastercard®): Mastercard Presale ticket is subject to availability and while supplies last. A valid Mastercard® consumer credit is required for presale ticket purchases. Ticket availability, maximum number per cardholder and applicable dates will vary based on venue and card type. This Presale benefit will be valid through 3/31/2027. All sales are final. This offer is not available to Mastercard Business, Commercial or other Mastercard non-consumer credit cardholders. Other restrictions/exclusions may apply. To access presale tickets, enter the first 6 digits of your eligible Mastercard credit card account number (no dashes) in the “Offer Passcode” field. Mastercard is not responsible for fulfillment of the offer. By participating, you agree to be bound by these terms & conditions and the Priceless Terms of Use, which can be found at: priceless.com/terms. Additionally, this experience will be sold to you by Ticketmaster or TicketWeb. Purchases and/or reservations made, and any information provided by the cardholder are subject to Ticketmaster’s Terms of Use or TicketWeb’s Terms of Use, as applicable.
Music and Entertainment Access (World Elite Mastercard®): Mastercard Presale and Preferred tickets are subject to availability and while supplies last. A valid Mastercard® consumer credit is required for Presale ticket purchases and a valid World Elite or World Legend Mastercard® consumer credit card is required for preferred ticket purchases. Ticket availability, maximum number per cardholder and applicable dates will vary based on venue and card type. This Presale and Preferred ticket benefit will be valid through 3/31/2027. All sales are final. This offer is not available to Mastercard Business, Commercial or other Mastercard non-consumer credit cardholders. Other restrictions/exclusions may apply. To access presale and preferred tickets, enter the first 6 digits of your eligible Mastercard credit card account number (no dashes) in the “Offer Passcode” field. Mastercard is not responsible for fulfillment of the offer. By participating, you agree to be bound by these terms & conditions and the Priceless Terms of Use, which can be found at https://www.priceless.com/terms/en_US. Additionally, this experience will be sold to you by Ticketmaster or TicketWeb. Purchases and/or reservations made, and any information provided by the cardholder are subject to Ticketmaster’s Terms of Use or TicketWeb’s Terms of Use, as applicable.
Priceless Experiences®: For additional details, visit priceless.com.
Priority Pass™: Lounge visit fees may apply. View the terms and conditions of use at prioritypass.com/en/conditions-of-use. Please enroll by visiting prioritypass.com/citizens. Enter the first six digits of your credit card account number when prompted.
Soho Friends: Benefit must be redeemed on or prior to December 31, 2027 at 4:00 PM EST, subject to early termination. Cardholders of an eligible Mastercard credit card or small business credit card are eligible to receive a complimentary annual Soho Friends account when the account is either activated for the first time or renewed with an eligible card during the benefit period. To redeem this benefit, visit the Soho Friends & Mastercard landing page here and click the 'Join Now' link. On the “Get started” screen, either sign in or create an email account. On the next screen, complete your details. Select your country of card issuance when selecting your country within the registration process. On the payment information screen, you must enter your eligible Mastercard credit card or small business credit card and press 'Save' to verify your eligible Mastercard details. The total to be paid will be updated to $0 if you have saved an eligible Mastercard as your payment card. Finally, click 'Join Soho Friends'. Please contact your issuing bank to confirm whether your Mastercard credit card or small business credit card is enrolled in this benefit.
Mobile wallet purchases are excluded from benefit eligibility. Benefit is available to new and existing Soho Friends who use an eligible, enrolled Mastercard credit card or small business credit card to sign up for or renew an annual Soho Friends account during the benefit period. Existing Soho Friends with an eligible, enrolled Mastercard credit card or small business card must email membership@sohohouse.com to have their current Soho Friends extended by a year upon their renewal date. This benefit applies to the Soho Friends annual fee only. All other purchases made using a Soho Friends account are the cardholder’s responsibility. Cardholders in the United Kingdom, Europe and Asia regions are excluded. Soho House reserves the right to cancel, change, or suspend this benefit at any time without notice. By redeeming this benefit, you agree to the Soho Friends terms and conditions here.
As a Mastercard credit cardholder, your $100 bedroom benefit can only be redeemed against bedroom stays. It can be redeemed at the following locations: Soho Beach House Miami, Soho House Austin, Soho House Chicago, Soho House Holloway, Soho House Nashville, Soho House New York, Soho Warehouse, Soho House Mexico City, Soho House São Paulo, Babington House, Dean Street Townhouse, High Road House, Kettner’s, Redchurch Townhouse, Shoreditch House, Soho Farmhouse, White City House, Little Beach House Barcelona, Soho House Amsterdam, Soho House Barcelona, Soho House Berlin, Soho House Paris, Soho House Rome, Soho House Tel Aviv, Jaffa, Soho Roc House and Soho House Mumbai. It cannot be redeemed at Soho Beach House Canouan, Soho House Istanbul, Oakley Court Windsor, Scorpios Bodrum, The Ned (London, Nomad NY and Doha), Public House Hotel Bangkok, The Upper House Hong Kong, Sanders Hotel Copenhagen, Villa Dagmar Stockholm, The Line (Austin, San Francisco, LA and DC) and Saguaro Palm Springs. Your $100 benefit will be applied upon checkout at the end of your stay, and will be applied to the room rate before tax. If your stay costs more than $100, the outstanding balance must be paid using an alternative method. This $100 benefit is valid for 1 year from the date your Soho Friends account has been activated, and must be redeemed with an eligible Soho Friends account. By redeeming this benefit, you agree to the Soho House bedroom booking terms and conditions here.
Wireless: Wireless carrier, text, and/or data charges may apply.
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