Citizens Summit Reserve® World Elite Mastercard®

Name: Citizens Summit Reserve® World Elite Mastercard®
Brand: Citizens Bank, National Association
Price: 545.95 USD
Availability: InStock

A $295-annual-fee cashback card from Citizens Bank, National Association, with airport lounge access.

Cash back

Citizens Bank, National Association · MASTERCARD

Annual fee: $295
Purchase APR: 19.49–28.49%variable
Foreign transaction: 5%

Your NAV

Try your own numbers

Spending

Monthly spend$2,500

Enter what you spend per category each month. Anything left blank counts as $0.

GroceryDiningGasTravelEverything else

Lounge value / yrWhat airport lounge access is worth to you per year. Zero if you rarely fly. Rough anchors: • Never flies or never uses lounges: $0 • 1–3 visits/yr (occasional traveler): $100–$200 • 5–10 visits/yr (regular leisure + business): $300–$500 • 15+ visits/yr (frequent business traveler): $750–$1,500 • 25+ visits/yr (road warrior): $1,500+ A Priority Pass day pass costs $35–$50; premium third-party lounges run $50–$75. Pick a number that reflects what you'd actually pay if you had to buy each visit.$0 (not counted)

Revolving balance$0

Spending we calculated on

Monthly$2,500

Annual$30,000

What this card would give you

Cashback	$508
Statement credits	$333
Subtotal	$841

You'd earn $841 in value over the year.

What it would cost you

Annual fee	$295
Subtotal	$295

You'd pay $295 to hold the card.

Year 1 value$546

Ongoing / yr$546

Year 1 matches every year after: this card has no signup bonus or first-year fee waiver.

Net Annual Value$546

Net: an estimated $546 ahead over the year at your profile.

Earn Rules

Dining	3.00%
Grocery	3.00%
Entertainment	3.00%
Streaming	3.00%
All Other	1.50%

Statement Credits

Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.

Earn up to $120 in annual statement credits when you charge $10 or more on eligible travel purchases.yearSource ↗	$120/yr
Get a $10 statement credit ($120 annual value) each month you spend $25 or more on Lyft rides using your Summit Reserve card.monthlySource ↗	$120/yr
Get $3 off Peacock Premium or Peacock Premium Plus each month that you use your Summit Reserve card to subscribemonthlySource ↗	$36/yr
receive a $2.50 statement credit when you spend $10 or more each month at participating transit locationsmonthlySource ↗	$30/yr

+ Show 1 more credit

Get a credit of up to $120 on Global Entry or TSA PreCheck every 4.5 years.every 4 years (amortized)Source ↗

$27/yr

Total credits / year we count

$333

The total counts each credit at face value, and only the ones reachable at this spending level.

Who This Card Makes Sense For

People who reliably pay their balance in full each month. The 28.49% APR would wipe out the card's other benefits within a single billing cycle of revolving.
Travelers who will actually use the lounge access. Set what a visit is worth to you in the calculator above. It is counted as $0 until you do, so the $295 fee currently has to be covered by everything else.

Where This Came From

Annual fee“$295”
Source ↗
APR range“19.49% – 28.49%”
Source ↗
Foreign transaction fee“5%”
Source ↗

Wondering if this card pays off for your situation? Is the Citizens Summit Reserve® World Elite Mastercard® worth it? →

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