Citizens Bank · Mastercard World · Personal
Citizens Bank Summit
A no-annual-fee card earning cash back: 3× on Dining and Groceries, 1.5× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- NoneNo signup bonus listed
- Top rate
- 3×Dining, Groceries
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus None listed | $0 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $0 | $0 |
Compare whole wallets See how the Summit does beside the cards you already hold.
Earning structure
3 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Dining | 3× | $3.00 | |
| Groceries | 3× | $3.00 | |
| All Other | 1.5× | $1.50 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Mastercard World
- Bank
- Citizens Bank
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Benefits3 · 0 high value
- Credits & Discounts Peacock Credit
- Earn Perks & Status Instacart Credit + 1 more earn perks & status benefit
See all 3 benefits Free account.
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Citizens Bank Summit |  Citizens Bank Summit Reserve |  Bread Rewards |  Expedia Group One Key | |
|---|---|---|---|---|
| Annual fee | $0 | $295+$295 | $0Same | $0Same |
| Signup bonus | None | None | None | $250 |
| Top rate | 3×Dining, Groceries | 3×5 categories | 3×4 categories | 3×7 categories |
| Travel value * | –Cash back | –Cash back | –Cash back | 0.9¢One Key |
| Why it’s here | This card | Same issuer, at a $295 annual fee | Also no annual fee | Also no annual fee |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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