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

Get Started with RCI Elite Rewards MasterCard

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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