Citizens Summit® World Mastercard®
A no-annual-fee cashback card from Citizens Bank, National Association.
Citizens Bank, National Association · MASTERCARD
- Annual fee
- $0
- Purchase APR
- 17.49–27.49%variable
- Foreign transaction
- 5%
Earn Rules
| Dining | 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.
| Get three months of free deliveries with Instacart+ and $10 off your second order each month, and avoid the grocery store checkout lines.monthlySource ↗ | $120/yr |
| Earn $5 in Lyft credit when you take three eligible rides in the same month.monthlySource ↗ | $60/yr |
| Save when you tap and go with your Summit card and receive a $2.50 statement credit when you spend $10 or more each month at participating transit locations.monthlySource ↗ | $30/yr |
| Total credits / year we count | $210 |
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 occasionally carry a balance. With no annual fee on top, the interest is the only cost.
Where This Came From
Wondering if this card pays off for your situation? Is the Citizens Summit® World Mastercard® worth it? →
Cards in the Same Fee Tier That Score Higher
A similar annual fee, ranked higher at the default profile.
- DoorDash Rewards Mastercard®$726 (+$43)
- Fifth Third 1.67% Cash/Back Card$701 (+$18)