Citizens Summit Reserve® World Elite Mastercard®
A $295-a-year travel rewards card from Citizens Bank.
Rates, fees, and full terms are set by Citizens Bank and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Is this card right for you?
people who spend heavily on dining, groceries, and streaming and want travel rewards they can grow.
you will not use enough of its perks and credits to cover the $295 annual fee.
Earning rates
Best ways to earn & redeem
Put your dining, groceries, and streaming spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Features & benefits
Lounge access
Statement credits
Alternatives to the Citizens Summit Reserve® World Elite Mastercard®
Pairs well with
The Citizens Summit Reserve® World Elite Mastercard® earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Citizens Summit Reserve® World Elite Mastercard® lands.
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