Citizens Bank
Citizens Summit Reserve® World Elite Mastercard®
Cash back only
Annual fee
$295/yr
Welcome bonus
None
Min spend
None
Recommended credit
Excellent (720+)
Offer last verified July 17, 2026. How we verify.
Earning rates
3% cash back on dining, groceries, entertainment, and streaming
1.5% cash back on everything else
Features & benefits
Up to $120 per year in travel credits plus up to $120 per year in Lyft credits
Priority Pass membership with four free visits per year
Global Entry or TSA PreCheck fee reimbursement
Lounge access
Priority Pass membership with four complimentary visits per year, then $35 per visit
Statement credits
Up to $120 annual travel credit ($10 per month)
Up to $120 annual Lyft credit ($10 per month)
Global Entry or TSA PreCheck fee credit
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Citizens Summit Reserve® World Elite Mastercard® lands.
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