Citizens Summit™ World Mastercard®
Citizens Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citizens Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Citizens Summit™ World Mastercard® from Citizens Bank earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3% back.
What does the Citizens Summit™ World Mastercard earn in each category?
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Citizens Summit™ World Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 3x among the top.
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Citizens Summit™ World Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% Top category |
| Grocery Supermarkets and grocery stores | 3% back | 3% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Citizens Summit™ World Mastercard reward caps and conditions?
The Citizens Summit™ World Mastercard has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 3% unlimited cash back on dining
- Earn 3% unlimited cash back on groceries
Who should get the Citizens Summit™ World Mastercard?
The Citizens Summit™ World Mastercard fits spenders who put meaningful volume in dining and can earn 3% back. Best for spenders who put meaningful volume in dining and can earn 3% back.
Citizens Summit™ World Mastercard fits spenders who put meaningful volume in dining and can earn 3% back. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3% back.
Foreign transaction fees make it weaker for international spend.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 3% effective (3% back).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
Does the Citizens Summit™ World Mastercard have an annual fee?
The Citizens Summit™ World Mastercard has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Citizens Summit™ World Mastercard?
The Citizens Summit™ World Mastercard includes Global emergency services, HealthLock, Healthlock™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Instacart
$140/yrGet two months of free deliveries with Instacart+ and $10 off your second order each month, and avoid the grocery store checkout lines.
Instacart
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Peacock
$36/yrGet $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.
ShopRunner
$25/yrWith an online membership, unlock free two-day shipping and free returns at dozens of top stores.
Mastercard Golf
$10/yrSwing away at TPC Network Clubs, as well as golf school and travel packages that'll make you feel like a tour pro.
Priceless Experiences®
$10/yrAccess 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.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Related encyclopedia topics
Common questions about the Citizens Summit™ World Mastercard
Where do cardholders spend most with the Citizens Summit™ World Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), groceries (3x) for the Citizens Summit™ World Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
What credit score do you need for a Citizens Amp Mastercard?
Madeen's catalog lists a typical credit range of Good for the Citizens Summit™ World Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Does the Citizens Summit™ World Mastercard have an annual fee?
The Citizens Summit™ World Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Citizens Summit™ World Mastercard?
Dining is the strongest Madeen category for the Citizens Summit™ World Mastercard at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Citizens Summit™ World Mastercard charge foreign transaction fees?
The Citizens Summit™ World Mastercard charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Citizens Summit™ World Mastercard?
Madeen's catalog lists a typical credit range of Good for the Citizens Summit™ World Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Citizens Summit™ World Mastercard compare to similar cards?
Compare the Citizens Summit™ World Mastercard against Citizens Summit Reserve™ World Elite Mastercard (3% on Dining, $295 fee); Citizens Private Client™ World Elite Mastercard (2% on Dining, $195 fee); Citizens Wealth Cash Back Plus™ World Mastercard (2% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Citizens Summit™ World Mastercard This card | Dining | 3% | $0 |
Citizens Bank | Dining | 3% | $295 |
Citizens Bank | Dining | 2% | $195 |
Citizens Bank | Dining | 2% | $0 |
Citizens Bank | Dining | 1.8% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Citizens Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citizens Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure