Citizens Bank · Mastercard World Elite · Personal
Citizens Bank Summit Reserve
A $295-a-year card earning cash back: 3× on 5 categories.
- Annual fee
- $295Charged every year
- Signup bonus
- NoneNo signup bonus listed
- Top rate
- 3×5 categories
- 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 Charged each year | −$295 | −$295 |
| NetYear one includes the bonus · at your inputs · our estimates* | −$295 | −$295 |
Earning structure
5 categories, 1 rate
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Dining | 3× | $3.00 | |
| Groceries | 3× | $3.00 | |
| Movie Theaters | 3× | $3.00 | |
| Select Live Entertainment | 3× | $3.00 | |
| Streaming Services | 3× | $3.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $295
- Card type
- Personal
- Network
- Mastercard World Elite
- Bank
- Citizens Bank
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Benefits8 · 0 high value
- Airport Express Credits Global Entry and TSA PreCheck
- Credits & Discounts Peacock Credit
- Earn Perks & Status $120 Travel Credits + 4 more earn perks & status benefits
- Lounge Access Priority Pass
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 Reserve |  Citizens Bank Summit |  Aeroplan |  Delta SkyMiles Gold | |
|---|---|---|---|---|
| Annual fee | $295 | $0−$295 | $195−$100 | $150−$145 |
| Signup bonus | None | None | 60,000 pts | 80,000 pts |
| Top rate | 3×5 categories | 3×Dining, Groceries | 3×7 categories | 2×3 categories |
| Travel value * | –Cash back | –Cash back | 1.47¢Aeroplan | 1.17¢SkyMiles |
| Why it’s here | This card | Same issuer, at no annual fee | An annual fee within $100 | A $150 annual fee |
$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 Checking account relationship.
* 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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