RCI® Elite Rewards® Mastercard®
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Mastercard
- Regular purchase APR
- 20.99%, 25.24% or 30.24% variable based on creditworthiness and the Prime Rate
At a glance
The RCI® Elite Rewards® Mastercard® is a travel rewards card aimed at those who frequently book their vacations through RCI® – a leading vacation sharing service. The card earns 5x points for purchases with RCI®, 2x points on purchases for eligible travel, and single points for all other purchases. New cardholders also benefit from 2,500 points after making their first purchase, and an intro balance transfer APR of 0% for the first 15 months.
Our review of the RCI® Elite Rewards® Mastercard®
The RCI Elite Rewards Mastercard, offered by Barclays US in partnership with RCI, is a co-branded credit card designed for vacation enthusiasts. Cardholders can earn 5 points for every dollar spent on RCI purchases, 2 points for eligible travel purchases, and 1 point for all other transactions.
How to Earn Rewards
New cardholders can enjoy a sign-up bonus of 2,500 points after making their first purchase with the RCI Elite Rewards Mastercard. Additionally, spending $10,000 on the card within a calendar year qualifies for a $250 vacation credit.
How to Redeem Rewards
Points earned with the RCI Elite Rewards Mastercard can be redeemed for RCI Members Rewards credit, travel rewards, or cash back to help cover resort fees. Cashback rewards start at just 2,500 points, and cardmembers receive a 5% bonus when redeeming for cash back.
Introductory APR
The card offers a 0% APR on balance transfers for the first 15 months, with transfers made within the first 45 days of account opening. After the introductory period, the card features competitive APRs for balance transfers and purchases.
Other Card Features
With no annual fee and no foreign transaction fees, the RCI Elite Rewards Mastercard is ideal for travelers who frequent the RCI program. The card’s earning potential and benefits make it a valuable option for vacation enthusiasts.
Should You Apply?
The RCI Elite Rewards Mastercard is best suited for those who regularly utilize the RCI program. While it may not hold as much value for individuals unconnected to RCI, the card’s perks and rewards make it a top choice for vacation sharing aficionados.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 5X Rewards for every $1 spent on all eligible RCI purchases
- 2X Rewards for every $1 spent on all eligible travel purchase
- Redeem rewards for RCI Member Rewards credit, cash back, or travel
- Get 5% Rewards back every time you redeem points
Who this card may suit
- You frequently turn to RCI® for vacations
- You don’t want to pay foreign transaction fees
- You don’t want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 20.99%, 25.24% or 30.24% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 15 months on transfers made within 45 days from account opening date |
| Balance Transfer APR | 20.99%, 25.24% or 30.24% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 30.49% based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Late Payment Penalty Fee | Up to $40 |
| Return Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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RCI® Elite Rewards® Mastercard®
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