CARD BENEFITS
Premium features
Cash Back Rewards
Get 3% unlimited cash back on groceries, dining, and entertainment, and 1.5% on everything else.†
Travel and Experiences
Access premium travel benefits and World Elite Concierge Service.†
No Annual Fees††
Receive a complimentary annual fee†† waiver for all authorized card users.
††Important information about rates, fees, and cash back eligibility.
Airport Lounge Access
Complimentary access to four Priority Pass™ lounge visits per year.†
CARD SERVICES
Services and rewards
CARD SERVICES
Additional Account Features
Major Travel Benefits
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.†
- Cardholder Action Required: To claim your benefit, visit sohohouse.com/soho-friends-mastercard.
No Foreign Transaction Fees: Use your card while traveling outside the US without incurring additional fees.††
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).†
- Cardholder 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
Rewards and Experiences
Lyft: 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
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
Additional Benefits
Mastercard ID Theft Protection™: Safeguard your identity with 24/7 fraud detection, receive alert notifications for suspicious activity and work with a resolution specialist to resolve ID theft issues.† Learn More
Zero Liability Protection: Protect yourself against fraudulent purchases in store, on the phone, online or on our app and at ATMs.† Learn More
Add Authorized Users: Add up to four authorized users at no extra cost, each with their own metal card.
††Important information about rates, fees, and cash back eligibility.
© Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC
† For additional information, please click the † symbols throughout this page to view our credit card disclosures.
1 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.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Credit cards are issued by Citizens Bank, N.A. pursuant to license by Mastercard International Incorporated.