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Mastercard2/4 on file
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Citizens Bank · Mastercard

Citizens Summit Reserve® World Elite Mastercard®

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The Citizens Summit Reserve® World Elite Mastercard® is a Mastercard from Citizens Bank with an annual fee of $295. Here is what we hold on it, and what we do not.

Annual fee$295per yearChecked citizensbank.com
Apply on Citizens BankCompare this card
Opens Citizens Bank’s site

Bank with branches in: Pennsylvania (211), Massachusetts (179), New York (169), New Jersey (107), Ohio (68), Michigan (61), Rhode Island (52), New Hampshire (39) and 8 more. Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the Citizens Summit Reserve® World Elite Mastercard®, exactly as recorded.

Annual fee
$295Checked citizensbank.com
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
19.74%–29.24%Checked files.consumerfinance.gov
Income requirement
Not confirmed
Network
Mastercard
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Citizens Summit Reserve® World Elite Mastercard®. That may mean there isn’t one, or simply that we have not recorded it — Citizens Bank’s own page is the place to check.

We couldn't verify this · check with the issuer
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Citizens Summit Reserve® World Elite Mastercard®. Rather than print a multiplier we cannot source, this stays blank until Citizens Bank’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • Up to $120 credit for Global Entry or TSA PreCheck every four years
  • Priority Pass™ membership with four free lounge visits per year
  • Up to $120 in annual travel statement credits
  • $10 monthly Lyft statement credit (up to $120/year)
  • $3 off Peacock Premium or Premium Plus monthly
  • Three months free Instacart+ delivery and $10 off second order monthly
  • Complimentary 24/7 Citizens Concierge service
  • Complimentary year of Soho Friends membership
  • Mastercard Travel Rewards cash back at international merchants
  • Mastercard Transit Benefit: $2.50 statement credit for $10+ monthly transit spend
Next step

Ready to apply for the Citizens Summit Reserve® World Elite Mastercard®?

You'll finish the application on Citizens Bank's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Citizens Bank’s site
Questions

Questions about the Citizens Summit Reserve® World Elite Mastercard®

How much is the Citizens Summit Reserve® World Elite Mastercard® annual fee?

The Citizens Summit Reserve® World Elite Mastercard® has an annual fee of $295. Weigh that against the rewards and perks you will actually use.

What does the Citizens Summit Reserve® World Elite Mastercard® earn?

We could not verify the Citizens Summit Reserve® World Elite Mastercard®'s earn rates, so we do not print a multiplier. Check them on Citizens Bank's own site.

What network is the Citizens Summit Reserve® World Elite Mastercard® on?

The Citizens Summit Reserve® World Elite Mastercard® runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the Citizens Summit Reserve® World Elite Mastercard® available in United States?

Yes — the Citizens Summit Reserve® World Elite Mastercard® is issued by Citizens Bank and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Citizens Summit Reserve® World Elite Mastercard® figures last checked?

We checked its annual fee in September 2026 and its purchase APR in December 2025, each against a published document. We could not verify, so we do not print: foreign transaction fee, earn rates and welcome offer. Check them with Citizens Bank. Terms can change without notice, so confirm the current details with Citizens Bank before you apply.