Our illustration, not the card’s design
Citizens credit card
Citizens Summit World Mastercard
No annual fee. Purchase APR 17.99%.
Checked Nov 1, 2026Updated
- Annual fee
- CFPB credit card survey, Dec 2025Receipt · Annual feeChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- CFPB credit card survey, Dec 2025Receipt · Purchase APRChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transactions
- CFPB credit card survey, Dec 2025Receipt · Foreign transactionsChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $250 | $250 | |
| Typical spender | $610 | $610 | |
| Heavy spender | $1,260 | $1,260 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$250a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$610a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$1,260a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 100% of the 732 cards we track.
- No annual fee, like about 100% of the 50 cards on our No annual fee list (see the list).
- Lower top APR than about 95% of the 45 cards on our Cash back list (see the list).
Other cash back cards with no annual fee
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee−$10 a year
- Credit One Bank Omni RewardsCredit One · No annual fee−$10 a year
- EvergreenFNBO · No annual fee−$10 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Cash Back Rewards
How you earn
- 3%
- dining and groceries
- 1.5%
- Everything else
Cash back, as a share of each purchase.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $0 · CFPB credit card survey, Dec 2025, since Oct 4, 2026
- Does it charge a foreign transaction fee?
- Yes: 3%. · CFPB credit card survey, Dec 2025, since Oct 10, 2026
- What is the purchase APR?
- 17.99% APR · Issuer document