General disclosures
Annual fee disclosure: 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 disclosure: 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 disclosure: Citizens Summit Reserve Card Concierge Phone number +1 (833) 253-6569.
Citizens Lyft program disclosure: 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 Summit Reserve Priceless Experience disclosure: For additional details, visit citizensbank.com/priceless.
Citizens Summit Reserve® World Elite Mastercard® Private Bank Rewards Program disclosure: The Citizens Summit Reserve® World Elite Mastercard® Reward Program (Private Bank): 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 disclosure: The Citizens Summit Reserve® World Elite Mastercard® Reward 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 disclosure: The Citizens Summit® World Mastercard® Reward 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 disclosure: 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 disclosure: 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 disclosure: 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 disclosure: 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™ disclosure: 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+ disclosure: Instacart ends 1/31/27, subject to early termination. Add an eligible U.S. World or World Elite Mastercard credit card and subscribe as a new Instacart+ member to receive a free three month trial and a $10 Instacart coupon on your second qualifying order each month. Must have an active Instacart+ membership paid for with an eligible card and complete one qualifying Instacart order each month. By redeeming this offer, you agree to the Instacart+ terms instacart.com/terms#terms-instacartplus 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 instacart.com/p/mastercard-offer.
Lyft airport disclosure: Lyft users who book a ride to an airport in the United States using the "Schedule a Ride" feature will get ten percent (10%) off the Scheduled Ride's upfront pricing as reflected at the time of booking the Scheduled Ride. Beginning 4/1/2024 and running through 1/31/2026, 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://lyft.com/mastercard#airports.
Lyft benefit disclosure: Beginning 4/1/21 and running through 1/31/2026, 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 (lyft.com/terms), 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® disclosure: 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 disclosure: For additional details, visit priceless.com/golf/.
Mastercard ID Theft Protection™ disclosure: 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 disclosure: Credit cards are issued by Citizens Bank, N.A. pursuant to license by Mastercard International Incorporated.
Mastercard Transit Benefit disclosure: Open only to individuals with an eligible U.S.-issued Mastercard credit or debit card (excluding prepaid debit cards). Ends 12/31/25. Use your Mastercard credit or debit card (excluding prepaid debit cards) to make a contactless public transit purchase (initiated at point of entry) in Chicago, IL, Boston, MA, Miami, FL, Philadelphia, PA, or Dallas, TX and process a minimum of $10 in contactless transactions within any given calendar month and receive a $2.50 statement credit. Public transit is defined as bus and streetcar in Dallas, TX (DART); bus, subway and metro in Chicago, IL (CTA & Pace Suburban Bus), Miami, FL (DTPW), and Philadelphia, PA (SEPTA); and bus, subway, metro and trolley in Boston, MA (MBTA). Purchase transactions involving prepaid, 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, click here. For full Terms & Conditions, visit mastercard.com/transitbenefit. Terms subject to change.
Mastercard Zero Liability Protection disclosure: For more information visit https://www.citizensbank.com/account-safeguards/unauthorized-transaction-policy.aspx.
MoviePass disclosure: This offer is valid from April 1, 2024, through January 31, 2026, subject to early termination. MoviePass customers who use an eligible U.S. Standard Mastercard credit card to purchase a new MoviePass Standard Subscription Plan or a new MoviePass Premium Subscription Plan at moviepass.com/mastercard will receive a 50% discount on the first two months of the applicable monthly subscription price.
Priceless Experiences® disclosure: For additional details, visit priceless.com.
Priority Pass™ disclosure: 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 disclosure: Offer must be redeemed on or prior to December 31, 2027, at 5:00PM ET, subject to early termination. You are eligible to receive a complimentary 12-month Soho Friends account when the account is either activated for the first time or renewed with your eligible Citizens Summit Reserve® World Elite Mastercard® during the offer period. To redeem this offer, visit www.sohohouse.com/soho-friends-mastercard 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. You must select "United States" as your country to redeem the offer. (If you select a country other than the United States, you will not receive the offer.) On the payment information screen, you must enter your eligible, enrolled US-issued Mastercard consumer or small business credit card and press "Save" to save 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'. Mobile wallet purchases are excluded from offer eligibility. Soho House reserves the right to cancel, change, or suspend this offer at any time without notice. By redeeming this offer, you agree to the Soho Friends terms. You may cancel your Soho Friends account at any time by emailing membership@sohohouse.com. Additional terms and restrictions apply, please visit www.sohohouse.com/soho-friends-mastercard.
Wireless disclosure: Wireless carrier, text, and/or data charges may apply.
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