Citizens Bank Summit Reserve

Yes — the Citizens Bank Summit Reserve's 3% category bonus stacks with shopping portal cashback. Use a portal like Rakuten or TopCashback, pay with your Citizens Bank Summit Reserve, and earn both rates on the same purchase. CashBackStacks shows the combined stack for every store.

You'll earn 3% back on Dining purchases with the Citizens Bank Summit Reserve.

The Citizens Bank Summit Reserve's 0 cashback welcome offer can be very valuable — especially when combined with portal cashback and card-linked offers on your qualifying purchases.

The Citizens Bank Summit Reserve has no foreign transaction fees. You can use it for international purchases without any added costs, and your category bonuses still apply on foreign transactions.

Add the Citizens Bank Summit Reserve to your CashBackStacks wallet by selecting it from the card directory. Once added, your personalized stacks will include the Citizens Bank Summit Reserve's category bonuses whenever they apply. No account numbers or sensitive data is needed.

At the card's top earn rate of 3%, you'd need about $9,834 in annual spending in that category to recoup the $295 fee through rewards alone. Sign-up bonuses and perks can offset the fee in year one.