Cash back · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
Citizens Summit World Mastercard is a no-annual-fee cash back card from Citizens Bank. Its best everyday rates are 3% on dining, and 3% on grocery stores; everything else earns 1.5%.
On our reference budget of $24,600 a year it returns about $513, an effective 2.1% back.
Put the bonus categories on it and everything else on a flat 2% card. On its own the base rate drags the average down. It charges 3% on foreign purchases, so leave it home when you travel abroad.
Earn 3% unlimited cash back on dining
Earn 3% unlimited cash back on groceries
No welcome bonus is stored for this catalog entry yet.
Enjoy a complimentary membership for HealthLock for Mastercard® Medical Claim Monitor and a free 90-day upgrade to all HealthLock services.
Get two months of free deliveries with Instacart+ and $10 off your second order each month, and avoid the grocery store checkout lines.
Earn $5 in Lyft credit when you take three eligible rides in the same month.
Swing away at TPC Network Clubs, as well as golf school and travel packages that'll make you feel like a tour pro.
Save when you tap and go with your Spring card and receive a $2.50 statement credit when you spend $10 or more each month at participating transit locations.
Get $3 off Peacock Premium each month that you use your card to subscribe, and stay on top of the newest movies, shows and live sports.
Access in-person and digital experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe exclusively for World Mastercard® cardholders.
Enjoy exclusive daycations at luxurious resorts with a $20 statement credit on your next booking of $200 or more.
With an online membership, unlock free two-day shipping and free returns at dozens of top stores.
These come from Mastercard, not from Citizens Bank. Every card on the World Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Browse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Citizens Summit™ World Mastercard®This card · 3% on dining | None | $513 | +$513 | 278th of 1,291 |
| Citizens Summit Reserve™ World Elite Mastercard®Citizens Bank's most-held other card · 3% on dining | $295 | $531 | +$236 | 864th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
