Citizens Summit Reserve® World Elite Mastercard® rewards and benefits
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 $7501 in premium travel benefits:
- Global Entry and TSA PreCheck®: Get a credit of up to $120 on Global Entry and TSA PreCheck every four years.†
- Priority Pass™: Access 1,800+ airport lounges with a Priority Pass™ membership ($99 value) and get four free visits each year ($140 value).†
- Annual Travel Credits: Earn up to $120 in annual statement credits when you charge $10 or more on eligible travel purchases.†
- Lyft: Get a $10 statement credit ($120 annual value) each month you spend $25 or more on Lyft rides using your Summit Reserve card.†
Instacart: Get three months of free deliveries with Instacart+ and $10 off your second order each month, and avoid the grocery store checkout lines.†
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.†
No Foreign Transaction Fees: Use your card while traveling outside the US without incurring additional fees.*
Citizens Concierge: A complimentary 24/7 concierge service that acts as a relentless personal assistant. Reserve that perfect table, locate hard-to-find items and more.†
Soho Friends: Receive a complimentary year of Soho Friends when using your Summit Reserve card. Join and enjoy special rates at Soho House bedrooms around the world.†
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. When you're not traveling, browse sought-after brands online and enjoy worldwide shopping from the comfort of your home.†
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.†
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
Citizens Priceless: Access 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.†
Mastercard ID Theft Protection™: Safeguard your identity with 24/7 fraud detection, receive alert notifications for suspicious activity and access to a resolution specialist to resolve ID theft issues.†
Mastercard Zero Liability Protection: Gain peace of mind to guard against fraudulent purchases in-store, on the phone, online, on our app†, and at ATMs.††
$295 annual fee* - waived ($0) for Citizens Private Client® checking and Private Bank® customers; reduced to $95 for Citizens Quest® checking customers. Variable APR #ProductLine=CreditCard|Brand=citizensbank|ProductName=Citizens Summit Reserve World Elite Mastercard|RateName=Variable APR|ProductAttribute=RateValue# based on your creditworthiness.*
*Important information about rates, fees, and cash back eligibility.
Conveniences you'll enjoy in-store, online and in-app
Explore all card offers with no impact to your credit score†
© 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.
†† For more information visit https://www.citizensbank.com/account-safeguards/unauthorized-transaction-policy.aspx.
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**IMPORTANT INFORMATION
The information about the costs of the card described in this advertisement is accurate as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate#. This information may have changed after that date. To find out what may have changed, call us toll-free at 1-800-684-2222 or write us at Credit Card Services, P.O. Box 7092, Bridgeport, CT 06601-7092 or speak with a banker.
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 waiver to apply. Otherwise, the full annual fee will be charged to the account. Account relationship will be assessed periodically. 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.
Citizens Summit Reserve® World Elite Mastercard®: APR for Purchases ranges from #ProductLine=CreditCard|Brand=citizensbank|ProductName=Citizens Summit Reserve World Elite Mastercard|RateName=APR Purchases|ProductAttribute=RateValue#, based on creditworthiness. APR for Balance Transfers ranges from #ProductLine=CreditCard|Brand=citizensbank|ProductName=Citizens Summit World Mastercard|RateName=Balance Transfers|ProductAttribute=RateValue#, based on creditworthiness. APR for Cash Advances is #ProductLine=CreditCard|Brand=citizensbank|ProductName=Citizens Summit Reserve World Elite Mastercard|RateName=APR Cash Advances|ProductAttribute=RateValue#. APRs will vary with the market based on the Prime Rate. If you are charged interest in any billing cycle, the minimum interest charge will be $1.50. Annual Fee is $295. Each Balance Transfer will have a fee of either $10 or 5% of the amount of each transfer, whichever is greater. Each Cash Loan, ATM Loan and Convenience Check Loan will have a fee of either $10 or up to 5% of the amount of each advance, whichever is greater. Each Cash Equivalent Transaction will have a fee of either $10 or 5% of the amount of each advance, whichever is greater. No Foreign Transaction fees. Late Payment Fees up to $40.
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.
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Credit cards are issued by Citizens Bank, N.A. pursuant to license by Mastercard International Incorporated.