Citizens Summit Reserve® World Elite Mastercard®
A $295-annual-fee cashback card from Citizens Bank, National Association, with airport lounge access.
Citizens Bank, National Association · MASTERCARD
- Annual fee
- $295
- Purchase APR
- 19.49–28.49%variable
- Foreign transaction
- 5%
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 |
Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.
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
Wondering if this card pays off for your situation? Is the Citizens Summit Reserve® World Elite Mastercard® worth it? →
Cards in the Same Fee Tier That Score Higher
A similar annual fee, ranked higher at the default profile.
- Hilton Honors American Express Surpass® Card$972 (+$426)
- Delta SkyMiles® Gold American Express Card$859 (+$313)
- Disney® Inspire Visa® Card$669 (+$123)