About Citizens Bank’s Four distinct personal credit Cards Lineup
Unlock over $500 in premium travel benefits and exclusive
experiences, while earning cash back on your everyday purchases. Citizens
Bank's all-four new credit card offers bring fresh opportunities for U.S.
consumers looking to combine rewards and benefits.
Quick Overview
Citizens Bank has launched a refreshed portfolio of four
distinct personal credit cards, including:
- Citizens
Summit Reserve World Elite Mastercard – a premium metal card
that offers more than $500 in travel perks and exclusive experiences,
and rewarding everyday cash back.
- Citizens
Summit World Mastercard – a no-annual-fee rewards card
offering 3% back on dining and groceries, and 1.5% on all other purchases.
- Citizens
Spring World Mastercard– a low-cost rate card, featuring no
annual fee and an introductory 0% APR on balance transfers.
- Citizens
Amp Mastercard – a credit-builder card with no annual fee and
no minimum credit score required.
Among these, the Summit Reserve stands out as the
premium offering, combining lifestyle perks, travel credits, and strong
cash-back rates.
Direct Link To Offer
In-Depth Look at the Summit Reserve World Elite Mastercard
Premium Travel Perks — Over $500 Value
- Global
Entry or TSA PreCheck® fee credit: Up to $120 every four years.
- Priority
Pass™ lounge access: 4 free visits annually (estimated $140 value),
plus membership (~$99 value).
- Annual
travel statement credits: Up to $120 per year on eligible travel
purchases (minimum $10 charge per purchase).
- Lyft
credits: Up to $10 statement credit per month ($120 annual value) when
spending $25+ per ride.
- Additional
perks: Concierge service, Soho Friends membership (with special dining
and hotel benefits), Peacock discounts, Instacart and ShopRunner offers,
Alo Moves discount, and more.
Everyday Cash Back Rates
- 3%
unlimited cash back on dining, groceries, and entertainment (including
streaming services).
- 1.5%
unlimited cash back on all other purchases.
Annual Fee Structure
- Base
annual fee: $295.
- Fee
Reduction: If you maintain a Citizens Quest Checking® account,
the fee drops by $200 to $95.
- Full
waiver: With a Citizens Private Client® Checking relationship,
the annual fee can be reduced to $0.
Why the Four-Card Lineup Matters ?
Citizens Bank’s new credit card suite replaces previous
cards starting June 12, 2025. They’re tailored to different consumer
needs—from credit-building to balance transfers, everyday rewards, to premium
travel benefits. The Summit Reserve, in particular, brings Citizens into the
premium travel card space.
Is This Offer Profitable for Consumers ?
Yes—for the right customer profile.
- Great
value if:
- You
travel frequently and will utilize multiple travel benefits (Global
Entry/TSA PreCheck, lounge visits, travel and Lyft credits).
- You
can access the fee waiver through eligible checking accounts, reducing
the annual cost to $95 or $0.
- You
spend heavily in dining, groceries, and entertainment—earning 3% cash
back in those categories adds up quickly.
- Less
appealing if:
- You
don’t travel often or plan to use only a fraction of the perks.
- You
can’t or won’t maintain the required checking account balance for annual
fee reductions.
- Your
spending outside the bonus categories is minimal—1.5% back may not
justify the premium card over simpler no-fee options.
The Summit Reserve World Elite Mastercard can be highly profitable for consumers who strategically use both the travel perks and elevated cash-back categories—especially if they can reduce the annual fee. For others focused on simplicity or limited travel, the no-fee Summit card or other cash-back options may offer better value.
