THE CARDTUNED DATABASE
Citizens Summit Reserve World Elite Mastercard
Issuer: Citizens Bank · Network: Mastercard
Unlimited 3% cash back on dining, groceries and entertainment; unlimited 1.5% on everything else
- Annual fee
- $295
- Foreign transaction fee
- $0
- Intro APR
- No public introductory APR offer shown
- Regular APR
- 19.49%–28.49% variable APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Earning rates
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| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Dining & Groceries & Entertainment | 3% | Unlimited — cash back on dining, groceries and entertainment |
| Other purchases | 1.5% | Unlimited — on everything else |
Additional benefits
• Premium travel benefits valued by Citizens at more than $750
Restrictions to know
The $295 annual fee is waived for eligible Private Client/Private Bank customers and reduced to $95 for eligible Quest checking customers. Rewards require eligible net purchases and merchant category coding; premium travel benefits may require activation or third-party terms.
Who can apply
Public U.S. consumer prequalification/application; issuer approval required
Credit profile: Good–Excellent