Citizens Summit World Mastercard® Review: Rewards, Fees & Benefits

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 2x

Point Value~0.01¢ each

Travel Portal1x

ExpirationPoints do not expire as long as your account is open and in good standing.

Redemption NotesMinimum redemption for cash back is 2,500 points ($25).

Category	Rate	Type	Cap
Gas Purchases at gas stations.	3x	Points	No cap
Groceries Purchases at supermarkets.	3x	Points	No cap
Drugstores Purchases at drugstores.	3x	Points	No cap
All Other Purchases All other eligible purchases not categorized as gas stations, supermarkets, or drugstores.	1x	Points	No cap

Benefits & Protections

No Foreign Fees

Cell Phone Protection

Concierge Service

Benefit	Category	Value / Coverage
Mastercard Airport Concierge™ Provides a personal, dedicated Meet & Greet agent to assist with airport navigation upon arrival, departure, or connecting flights at over 700 airports worldwide. Cardholders receive a 15% savings on services.	Airport Access	15% savings on services
Mastercard Travel & Lifestyle Services Provides a complimentary suite of travel and lifestyle benefits, amenities, and upgrades. Includes a dedicated lifestyle manager, access to a network of travel experts, and curated experiences.	Lifestyle	—
Priceless® Experiences Access to a collection of unique experiences and offers in cities around the world.	Lifestyle	—
Cell Phone Protection Reimburses cardholders for the actual cost to repair or replace a stolen or damaged eligible cell phone. Coverage applies when the monthly cell phone bill is paid with the eligible Citizens Summit World Mastercard. A $50 deductible applies per claim.	Purchase Protection	Up to $600 per claim, maximum of 2 claims per 12-month period, up to $1,000 per 12-month period. Up to $600
Extended Warranty Protection Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible items purchased with the Mastercard. Applies to warranties of five years or less.	Purchase Protection	Up to $1,000 per claim, up to $5,000 per 12-month period. Up to $1,000
Purchase Assurance Reimburses cardholders for eligible items purchased with the Mastercard that are stolen or damaged within 90 days of the purchase date.	Purchase Protection	Up to $1,000 per claim, up to $5,000 per 12-month period. Up to $1,000
Mastercard ID Theft Protection™ Monitors your personal information and alerts you if suspicious activity is detected. If your identity is stolen, you'll have a dedicated expert to help you resolve it. Includes monitoring of credit file, dark web, and SSN.	Security	—
Zero Liability Protection Protects against unauthorized purchases made with your Mastercard. You are not responsible for unauthorized purchases.	Security	—
Global Service Provides emergency assistance anytime, anywhere, and in any language. This includes reporting a lost or stolen card, obtaining an emergency card replacement or cash advance, finding an ATM, and accessing any other card-related questions.	Travel Assistance	—
Baggage Delay Insurance Reimburses cardholders for the purchase of essential items (e.g., toiletries, clothing) when checked baggage is delayed by a common carrier for more than four hours.	Travel Insurance	Up to $100 per day for up to 3 days. Up to $100
Car Rental Collision Damage Waiver Provides secondary coverage for physical damage and theft of most rental vehicles when the eligible Mastercard is used to pay for the entire rental and the rental company's collision damage waiver (CDW) or similar option is declined.	Travel Insurance	Up to $50,000 Up to $50,000
Lost or Damaged Luggage Insurance Reimburses cardholders for the actual cash value of lost or damaged checked or carry-on luggage and its contents when traveling on a common carrier.	Travel Insurance	Up to $3,000 per trip. Up to $3,000
Travel Accident Insurance Provides coverage for accidental death or dismemberment while traveling on a common carrier (air, bus, train, ship) when the entire fare has been charged to the eligible Mastercard.	Travel Insurance	Up to $250,000 Up to $250,000
Trip Cancellation/Interruption Insurance Reimburses cardholders for non-refundable common carrier tickets if a trip is canceled or interrupted for covered reasons (e.g., accidental bodily injury, sickness, death).	Travel Insurance	Up to $1,500 per covered person, up to $5,000 per trip. Up to $5,000

Interest Rates

0%

Intro Purchase APR for 15 months

0%

Intro BT APR for 15 months

Purchase APR19.24%–29.24% Variable

Balance Transfer APR19.24%

Cash Advance APR29.99%

Penalty APR29.99%

Min. Interest Charge$2

Fees

Annual Fee $95

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 3% of the amount of each balance transfer, whichever is greater.

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $40

Returned Payment FeeUp to $40

Approval & Eligibility

740 Recommended minimum FICO · Range 740–850

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyDifficult

Credit ProfileExcellent

Approval OddsExcellent

Pre-QualificationAvailable (no hard pull)

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 3 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across Citizens Bank products, sudden drastic changes in spending patterns, non-payment or late payments, suspected bust-out risk, multiple recent credit applications with Citizens Bank, or suspicious activity flagged by fraud detection systems.

Cliff Effect Rules

Citizens Bank does not typically impose complex 'card family' or 'lifetime' restrictions beyond the standard 'not available to current or previous cardholders of this specific product' for sign-up bonuses. Approval for one Citizens Bank card does not generally preclude approval for another, provided individual creditworthiness criteria are met.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Eligibility for the Citizens Summit World Mastercard in 2026 is expected to prioritize applicants residing within Citizens Bank's primary operational regions (e.g., Northeast, Mid-Atlantic, Midwest USA). A strong existing relationship with Citizens Bank (e.g., checking, savings, mortgage, or investment accounts) is highly beneficial for approval. Applicants typically need excellent credit history, a stable income, and a low debt-to-income ratio. The standard sign-up bonus (SUB) will likely require new cardholders to spend a specified amount within the initial 3 months of account opening. This offer is generally not available to current or previous cardholders of the Citizens Summit World Mastercard.

Citizens Summit World Mastercard®