Citizens Summit Reserve™ World Elite 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 Reserve™ World Elite Mastercard® from Citizens Bank earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $295.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $295
Best for dining-heavy spend when the $295 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3% back. Travel perks may add value beyond the earn rate.
What does the Citizens Summit Reserve™ World Elite 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 Reserve™ World Elite Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight music and audio at.
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 Reserve™ World Elite 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 | 3% back | 3% |
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 Reserve™ World Elite Mastercard reward caps and conditions?
The Citizens Summit Reserve™ World Elite Mastercard has 3 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
- Earn 3% unlimited cash back on streaming
Who should get the Citizens Summit Reserve™ World Elite Mastercard?
The Citizens Summit Reserve™ World Elite 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. Travel perks may add value beyond the earn rate.
Citizens Summit Reserve™ World Elite 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. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $295 fee fits your usage; 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 foreign transaction fee listed.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $295 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
Does the Citizens Summit Reserve™ World Elite Mastercard have an annual fee?
The Citizens Summit Reserve™ World Elite Mastercard has an annual fee of $295 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $295
- Foreign transaction fee
- None
What travel perks does the Citizens Summit Reserve™ World Elite Mastercard include?
The Citizens Summit Reserve™ World Elite Mastercard includes Trusted traveler credit, Lounge access, Alo Moves, Annual Fee Waiver and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
$120/yrGet a credit of up to $120 on Global Entry and TSA PreCheck every four years.
How we value this
Editorial: Global Entry application fee ($120) is the standard trusted-traveler credit ceiling on premium cards; TSA PreCheck alone is $85.
Lounge access
ccess 1,700+ airport lounges with a Priority Pass™ membership ($99 value) and get four free visits each year ($140 value).
What benefits come with the Citizens Summit Reserve™ World Elite Mastercard?
Lyft
$1,440/yrGet a $10 statement credit ($120 annual value) each month you spend $25 or more on Lyft rides using your Summit Reserve card.
Lyft
$1,440/yrMore rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
Mastercard Transit Benefit
$200/yrEnjoy exclusive daycations at luxurious resorts with a $30 statement credit on your next booking of $200 or more.
ResortPass
$200/yrEnjoy exclusive daycations at luxurious resorts with a $20 statement credit on your next booking of $200 or more.
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.
Citizens Concierge:
$150/yrA complimentary 24/7 concierge service that acts as a relentless personal assistant. Reserve that perfect table, locate hard-to-find items and more.1
World Elite Concierge
$150/yrComplimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
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
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
Annual Travel Credits
$120/yrEarn up to $120 in annual statement credits when you charge $10 or more on eligible travel purchases.
Priority Pass
$99/yrGet access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.
Peacock
$36/yrGet $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.
Related encyclopedia topics
Common questions about the Citizens Summit Reserve™ World Elite Mastercard
Where do cardholders spend most with the Citizens Summit Reserve™ World Elite Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on music and audio (3x), other entertainment (3x), sporting events amusement parks and museums (3x) for the Citizens Summit Reserve™ World Elite 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.
Is World Elite Mastercard worth it?
The Citizens Summit Reserve™ World Elite Mastercard® from Citizens Bank earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $295.
Does the Citizens Summit Reserve™ World Elite Mastercard have an annual fee?
The Citizens Summit Reserve™ World Elite Mastercard carries an annual fee of $295 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 Reserve™ World Elite Mastercard?
Dining is the strongest Madeen category for the Citizens Summit Reserve™ World Elite 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 Reserve™ World Elite Mastercard charge foreign transaction fees?
The Citizens Summit Reserve™ World Elite Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the Citizens Summit Reserve™ World Elite Mastercard annual fee worth it?
Whether the $295 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the Citizens Summit Reserve™ World Elite Mastercard compare to similar cards?
Compare the Citizens Summit Reserve™ World Elite Mastercard against Citizens Summit™ World Mastercard (3% on Dining, $0 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 Reserve™ World Elite Mastercard This card | Dining | 3% | $295 |
Citizens Bank | Dining | 3% | $0 |
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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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