
Rating: 4 Stars
Bottom Line:
RCI Timeshare Member Rewards
TABLE OF CONTENTS
Card Details
Regular APR: | 16.49%, 21.49% or 26.49% (Variable) |
Intro APR (Purchases): | None |
Intro APR (Balance transfers): | 0% for 15 billing cycles for transfers in first 45 days |
Rewards Rate: | 5X Rewards for every $1 spent on all eligible RCI purchases 2X Rewards for every $1 spent on all eligible travel purchases Earn 1X Rewards for every $1 spent on all other purchases |
Credit Needed: | (670 – 850) Good/Excellent |
Annual Fee: | None |
Card Brand: | Mastercard |
*See online credit card application for details on the terms and conditions.
Offer Highlights
- Click APPLY NOW to apply online
- 2,500 Bonus Rewards after your first purchase
- 5X Rewards for every $1 spent on all eligible RCI purchases
- 2X Rewards for every $1 spent on all eligible travel purchases
- Earn 1X Rewards for every $1 spent on all other purchases
- Redeem Rewards for RCI Member Rewards Credit Use toward exchange fees and RCI subscribing membership renewals
- Redeem Rewards for Cash Back to help pay for resort fees and more
- Redeem Rewards for Worldwide Travel including flights, hotels, car rentals and more when you book online at BarclaysUS.com
- Get 5% Rewards back every time you redeem, as a bonus to use toward your next redemption
- Earn a $250 Vacation Credit towards one RCI vacation when you spend $10,000 in net purchases each calendar year
Is RCI Elite Rewards MasterCard worth it?
RCI Elite Rewards MasterCard is a solid card for RCI members and people who utilite RCI services. Membership is limited to people owning a timeshare at an RCI affiliated resort. RCI calls themselves the largest timeshare vacation exchange network in the world, and there are nearly 4 million members.
Although RCI sounds exclusive to members only, there is a program called RCI Platinum ? an $89 membership that provides discounts on select vacations booked through your account, including 25% off Guest Certificates you can share with family and friends. They are basically providing you the opportunity to purchase discounted gift cards redeemable for RCI purchases.
The rewards rate for RCI purchases is great: RCI Elite Rewards MasterCard cardholders earn 5X Rewards for every $1 spent on all eligible RCI purchases and 2X Rewards for every $1 spent on all eligible travel purchases. It’s a good rewards rate, because the points are worth about one cent. Other RCI currency, like RCI points, can sometimes be worth less; for example, a one-day car rental with Avis to and from JFK in New York cost $70 or about 8,000 RCI points. That’s less than one cent per point.
All in all, RCI Elite Rewards MasterCard is a solid card for RCI timeshare owners already spending money with RCI, who would like to travel more with RCI, but at a discount by redeeming their Rewards.
Pros
- 5X Rewards for every $1 spent on all eligible RCI purchases
- 2X Rewards for every $1 spent on all eligible travel purchases
- Travel purchases and redemptions are reasonably defined as Airlines, Hotels, Motels, Campgrounds, Car Rental Agencies, Cruise Lines, Travel Agencies, Discount Travel Sites, Trains, Buses, Taxis, Limousines, and Ferries
- You get a $250 Vacation Credit towards one RCI vacation when you spend $10,000 in net purchases each calendar year. You cannot combine vacation credits, but cardholders have a full 13 months from the date they receive their $250 vacation credit to use it.
- No foreign transaction fee
- No annual fee
Cons
- Make sure you’re ready to go when you book with your vacation credit – no refunds will be granted 30 days or fewer from the check-in date
- No cash back with this card
Why 4 Stars?
Regular APR
4 Stars
Intro APR
4 Stars
Fees
4 Stars
Perks
5 Stars
Overall
4 Stars
Fees
Foreign Transaction Fee | None |
Balance Transfer Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
Penalty APR | None |
Benefits
$0 Fraud Liability |
Auto Rental Collision Damage Waiver |
Extended Warranty Program |
Lost Luggage Reimbursement |
Purchase Protection |
Roadside Assistance |
Travel Accident Insurance |
Travel Assistance |
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
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