Card details · Citizens
Citizens Summit Reserve World Elite Mastercard review: fees, rewards and APR
The Citizens Summit Reserve® World Elite Mastercard® is a credit card from Citizens with a $295 annual fee. By our overall score it ranks #220 of the 294 credit cards we rank (store-only cards excluded). It is listed in our gas, grocery, dining and travel rankings.
Key facts
- Issuer
- Citizens
- Network
- Mastercard
- Annual fee
- $295
- Foreign transaction fee
- None
- Our overall score
- 30 (#220 of 294 cards)
Rewards
- 3% unlimited cash back on dining, groceries and entertainment (including streaming), and 1.5% unlimited cash back on everything else.
Benefits and notes
Credit of up to $120 on Global Entry and TSA PreCheck every four years; Priority Pass™: Access 1,800+ airport lounges with a Priority Pass™ membership ($99 value) and get four free visits each year ($140 value); up to $120 in annual statement credits when you charge $10 or more on eligible travel purchases; $10 Lyft statement credit ($120 annual value) each month you spend $25 or more on Lyft rides using your Summit Reserve card; $3 off Peacock Premium or Peacock Premium Plus each month that you use your Summit Reserve card to subscribe; three months of free deliveries with Instacart+ and $10 off your second order each month, and avoid the grocery store checkout lines.
Where it ranks
- Overall: #220 of 294 cards (score 30)
- Gas cards: #22 of 43 by our gas score
- Grocery cards: #23 of 57 by our grocery score
- Dining cards: #33 of 67 by our dining score
- Travel cards: #35 of 47 by our travel score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Citizens’s own site) as of October 21, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the Citizens Summit Reserve World Elite Mastercard?
$295, as stored in our database. Confirm the current fee on Citizens’s site.
Does the Citizens Summit Reserve World Elite Mastercard have a welcome bonus?
Our database lists no welcome offer for this card right now.
Does the Citizens Summit Reserve World Elite Mastercard have a 0% intro APR?
Our database lists no intro APR offer for this card.
Does the Citizens Summit Reserve World Elite Mastercard charge foreign transaction fees?
Our database lists no foreign transaction fee for this card.
How does the Citizens Summit Reserve World Elite Mastercard rank on YourBestCards?
#220 of 294 cards by our overall score (30). In our category lists: #22 of 43 gas cards; #23 of 57 grocery cards; #33 of 67 dining cards; #35 of 47 travel cards.
Other top-scoring cards
- 8X points on Chase TravelSM purchases
- 4X on flights and hotels booked direct
- 3X on dining worldwide
- Annual fee
- $795
- Welcome offer
- Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening.
- 4X Membership Rewards points at U.S. supermarkets (up to $25,000/year)
- 4X at restaurants (up to $50,000/year)
- 3X on flights through American ExpressTravel
- Annual fee
- $325
- Welcome offer
- Earn up to 100,000 Membership Rewards Points after $8,000 spend in 6 months.
- 4X points on your top 2 eligible categories each month (advertising, electronics/software/cloud, gas, restaurants, transit, wireless), on the first $150,000 in combined purchases per year, then 1X. 3X on flights and prepaid hotels on AmexTravel.com. 1X on everything else.
- Annual fee
- $375
- Welcome offer
- AS HIGH AS 200,000 Membership Rewards® Points after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
- 10x points per $1 spent on hotels, car rentals and attractions booked at cititravel.com
- 3x points on air travel and other hotel purchases
- 3x points at supermarkets, restaurants, gas & EV charging stations
- Annual fee
- $95
- Welcome offer
- Earn 60,000 bonus points spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- 5X points on flights booked directly with airlines or through American Express Travel®, on up to $500,000 per calendar year
- 5X points booked at hotels on American Express Travel®
- 1X points on other purchases
- Annual fee
- $895
- Welcome offer
- As high as 175,000 Membership Rewards® points after you spend $12,000 in purchases on your new Card within the first 6 months of Card Membership.
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.