THE CARDTUNED DATABASE
Citizens Summit World Mastercard
Issuer: Citizens Bank · Network: Mastercard
Unlimited 3% cash back on dining and groceries; unlimited 1.5% on everything else
- Annual fee
- $0
- Foreign transaction fee
- 3% or $1.50, whichever is greater; waived with eligible Citizens banking relationship
- Intro APR
- 0% on balance transfers for first 12 billing cycles
- Regular APR
- 17.49%–27.49% 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.
Current offer
0% intro APR on balance transfers for the first 12 billing cycles
- Spending requirement
- Not applicable — balance-transfer/purchase APR promotion
- Time window
- the first 12 billing cycles
Offer last checked: 2026-09-05
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Dining & Groceries | 3% | Unlimited — cash back on dining and groceries |
| Other purchases | 1.5% | Unlimited — on everything else |
Additional benefits
• 0% intro APR on eligible balance transfers for the first 12 billing cycles
• World Mastercard benefits and contactless payment support
Restrictions to know
Rewards apply to eligible net purchases and depend on merchant category coding; returns and credits reduce rewards. The introductory rate applies to qualifying balance transfers for 12 billing cycles, after which a variable APR applies; transfer fees and current disclosure terms apply.
Who can apply
Public U.S. consumer prequalification/application; issuer approval required
Credit profile: Good–Excellent