Cash back · Mastercard · $295 annual fee
Last verified 2026-09-09. Review issuer source
Citizens Summit Reserve World Elite Mastercard is a $295-a-year cash back card from Citizens Bank. Its best everyday rates are 3% on dining, 3% on entertainment, and 3% on grocery stores; everything else earns 1.5%.
On our reference budget of $24,600 a year it earns $531, which clears the $295 fee with $236 to spare before any credits or perks.
The fee is easy to clear if dining is a real share of your budget. If not, a no-fee card from the same issuer keeps most of the earning.
Earn 3% unlimited cash back on dining
Earn 3% unlimited cash back on entertainment
Earn 3% unlimited cash back on groceries
Earn 3% unlimited cash back on streaming
No welcome bonus is stored for this catalog entry yet.
Unlock 50% off your Alo Moves membership when you use your Summit Reserve card. Upon signup, you'll also receive 300 bonus points to Alo Access, Alo Yoga's loyalty program.
$200 fee waiver ($95 Annual Fee) for customers that maintain a Citizens Quest® Checking Account relationship. Full $295 fee waiver ($0 Annual Fee) for customers that maintain a Citizens Private Client(R) Checking account relationship.
Earn up to $120 in annual statement credits when you charge $10 or more on eligible travel purchases.
A complimentary 24/7 concierge service that acts as a relentless personal assistant. Reserve that perfect table, locate hard-to-find items and more.
Access in-person and digital experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe exclusively for World Elite Mastercard® cardholders.
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.
Get a $10 statement credit ($120 annual value) each month you spend $25 or more on Lyft rides using your Summit Reserve card.
Swing away at TPC Network Clubs, as well as golf school and travel packages that'll make you feel like a tour pro.
Enjoy exclusive daycations at luxurious resorts with a $30 statement credit on your next booking of $200 or more.
Enhance your travel experience with valuable, automatic cash back rewards at hundreds of hotel, transportation, dining, entertainment and retail merchants when traveling internationally. When you're not traveling, browse sought-after brands online and enjoy worldwide shopping from the comfort of your home.
Get $3 off Peacock Premium or $5 off Peacock Premium Plus each month that you use your Summit Reserve card to subscribe, and stay on top of the newest movies, shows and live sports.
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.
Receive a complimentary year of Soho Friends when using your Summit Reserve card to join, plus 20% off at Soho House dining.
These come from Mastercard, not from Citizens Bank. Every card on the World Elite 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.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
ccess 1,700+ airport lounges with a Priority Pass™ membership ($99 value) and get four free visits each year ($140 value).
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Citizens Summit Reserve™ World Elite Mastercard®This card · 3% on dining | $295 | $531 | +$236 | 864th of 1,291 |
| Citizens Summit™ World Mastercard®Citizens Bank's most-held other card · 3% on dining | None | $513 | +$513 | 278th 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.
