Citizens Private Client™ World Elite Mastercard®
The Citizens Private Client™ World Elite Mastercard® from Citizens Bank earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $195. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $195
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Citizens Private Client™ World Elite Mastercard earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 2% back | 2% |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 2% back | 2% |
| Other General everyday spend | 2% back | 2% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Citizens Private Client™ World Elite Mastercard?
The Citizens Private Client™ World Elite Mastercard fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back. Travel perks may add value beyond the earn rate.
Citizens Private Client™ World Elite Mastercard fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2% back. Travel perks may add value beyond the earn rate.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $195 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No foreign transaction fee listed.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $195 annual fee requires enough spend in bonus categories to offset.
Does the Citizens Private Client™ World Elite Mastercard have an annual fee?
The Citizens Private Client™ World Elite Mastercard has an annual fee of $195 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $195
- Foreign transaction fee
- None
What travel perks does the Citizens Private Client™ World Elite Mastercard include?
The Citizens Private Client™ World Elite Mastercard includes Trusted traveler credit, Lounge access in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Trusted traveler credit
$120/yrTSA PreCheck® or Global Entry Fee Rebate
How we value this
Editorial: Global Entry application fee ($120) is the standard trusted-traveler credit ceiling on premium cards; TSA PreCheck alone is $85.
Lounge access
$99/yrAirport Lounge Access at over 1,300 Global Airports
How we value this
Editorial: Priority Pass Standard individual membership lists at $99/year (2026); used as conservative lounge-access proxy when issuer does not specify visit caps.
Related encyclopedia topics
Common questions about the Citizens Private Client™ World Elite Mastercard
Does the Citizens Private Client™ World Elite Mastercard have an annual fee?
The Citizens Private Client™ World Elite Mastercard carries an annual fee of $195 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Citizens Private Client™ World Elite Mastercard?
Dining is the strongest Madeen category for the Citizens Private Client™ World Elite Mastercard at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Citizens Private Client™ World Elite Mastercard charge foreign transaction fees?
The Citizens Private Client™ World Elite Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the Citizens Private Client™ World Elite Mastercard annual fee worth it?
Whether the $195 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Citizens Private Client™ World Elite Mastercard?
Madeen's catalog lists a typical credit range of Good to Excellent for the Citizens Private Client™ World Elite Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Citizens Private Client™ World Elite Mastercard?
Rewards on the Citizens Private Client™ World Elite Mastercard post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Citizens Private Client™ World Elite Mastercard compare to similar cards?
Compare the Citizens Private Client™ World Elite Mastercard against Citizens Summit Reserve™ World Elite Mastercard (3% on Dining, $295 fee); Citizens Summit™ World Mastercard (3% on Dining, $0 fee); Citizens Wealth Cash Back Plus™ World Mastercard (2% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Citizens Private Client™ World Elite Mastercard This card | Dining | 2% | $195 |
Citizens Bank | Dining | 3% | $295 |
Citizens Bank | Dining | 3% | $0 |
Citizens Bank | Dining | 2% | $0 |
Citizens Bank | Dining | 1.8% | $0 |
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