Citizens Bank · Card guide
Citizens Summit Reserve World Elite Mastercard: every recurring credit, worth $426/year
The Citizens Summit Reserve World Elite Mastercard carries $426 a year in countable credits across 4 recurring benefits, against a $295 annual fee.
The math
| Amount | |
|---|---|
| Countable credits per year | $426 |
| Annual fee ($295 standard; reduced to $95 with a Citizens Quest checking account (free to open), or $0 with a Citizens Private Client or Private Bank checking account.) | $295 |
The $426/yr in countable credits covers the $295 annual fee — but only the portion you remember to use.
Every credit, benefit by benefit
| Benefit | Credit | Resets | Yearly value | Enrollment needed |
|---|---|---|---|---|
| $10/month travel statement credit Earn a $10 statement credit for every month you spend at least $10 on eligible travel purchases (up to $120/year). | $10 ($10 statement credit each month) | Monthly | $120/yr | No |
| $10/month Lyft credit $10 monthly Lyft ride credit ($120/year). | $10 ($10 per month) | Monthly | $120/yr | No |
| Peacock Premium credit $3 off Peacock Premium or Peacock Premium Plus each month. | $3 ($3/month) | Monthly | $36/yr | Yes — Enroll/activate the benefit. |
| Instacart+ and Instacart credit Three free months of Instacart+, plus $10 off your second monthly Instacart purchase. | $10 ($10/month off 2nd order) | Monthly | $120/yr | Yes — Enroll/activate the benefit. |
| $120 Global Entry credit $120 Global Entry application fee credit. | $120 (Up to $120) | Every 4 years | — | No |
Reset cadence on this card: 4 monthly.
Enrollment gotchas
3 of 6 tracked benefits on this card require enrollment before the credit works. Skip enrollment and the credit never appears.
- Digital Priority Pass membership must be activated before the visits can be used.
- Enroll/activate the benefit.
Other perks on this card
- Priority Pass digital membership + 4 visits/year — no fixed dollar value in our catalog (Complimentary Priority Pass Digital Lounge membership with 4 free visits per year; additional visits cost $35 each for the member and guests.)
Sources: nerdwallet.com (2026-10-06) — article updated 2026-09-29. Benefit amounts last verified 2026-10-06. Card benefits change — confirm current terms with Citizens Bank before applying.
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