Purchase APR
27.74–28.24%
Annual fee
None
Foreign fee
3% (min $1.50)
Top-25 issuerNo score620–719
Carrying $3k for a year ≈ $847.20
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29
Citizens Summit Reserve
Citizens Bank, National Association
Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
19.74–29.24%
Annual fee
$295
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
—
620–719
27.24%
720+
20.24%
Lowest offered19.74%
Median23.49%
Highest offered29.24%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered28.74%
Median—
Highest offered29.24%
Every fee on this card
Annual fee$295
Balance transfer fee5% (min $10)
Cash advance fee5% (min $10)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance charge$1.50
Balance computationAverage daily balance including new purchases
Rewards, benefits and features
Rewards
- Cashback rewards
Services
- Discounts on purchases of goods and services (non travel related)
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone866-455-9444
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 23.49%$704.70
Annual / periodic fees$295
Total yearly cost$999.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
5 documents filed by Citizens Bank, National Association in the 2026 Q1 archive.
More from this issuer
Purchase APR
15.74–26.24%
Annual fee
None
Foreign fee
3% (min $1.50)
0% transfers · 18 mo
Top-25 issuer620–719720+
Carrying $3k for a year ≈ $554.70
Purchase APR
17.74–27.99%
Annual fee
None
Foreign fee
3% (min $1.50)
0% transfers · 12 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $614.70
Purchase APR
19.74–29.24%
Annual fee
$295
Foreign fee
None
Top-25 issuerNo score620–719Cashback
Carrying $3k for a year ≈ $999.70 incl. $295 fee