Credit Cards (US)
RCI® Elite Rewards® Mastercard® review: great reward rates
Discover how you can enjoy earning rewards at no annual fee on this review of the fantastic RCI® Elite Rewards® Mastercard®.
RCI® Elite Rewards® Mastercard®: up to 5X rewards that can be redeemed for Cash Back
On this RCI® Elite Rewards® Mastercard® review, you will learn how good this card might be for those who want to elevate their reward rate and enjoy travel benefits.
How to apply for an RCI® Elite Rewards® Mastercard
It is time to learn how to apply for an RCI® Elite Rewards® Mastercard® and start earning 2,500 Bonus Rewards after your 1st purchase.
Also, although this card offers valuable benefits, it doesn’t charge an annual fee, as shown below!
| Credit Score | Good – Excellent |
| APR | Purchases and balance transfers: 19.49%, 23.74%, or 28.74%, depending on your creditworthiness; Cash Advances: 28.99% |
| Annual Fee | $0 |
| Fees | Foreign transaction fee: none; Balance transfer fee: $5 or 3% of the amount of each transaction, whichever is greater; Cash Advance: $10 or 5% of the amount of each transaction, whichever is greater; Late Payment: up to $40; Returned Payment: up to $40 |
| Welcome bonus | 2,500 bonus rewards on the first purchase |
| Rewards | 5X rewards per dollar spent on qualifying RCI purchases; 2X rewards per dollar spent on eligible travel purchases; 1X rewards on everything else |
Now, check out our RCI® Elite Rewards® Mastercard® review before applying for one.
How does the RCI® Elite Rewards® Mastercard® work?
At first, the RCI® Elite Rewards® Mastercard® card features a good welcome offer of 2,500 Bonus Rewards right after your first purchase.
Secondly, this credit card issued by Barclays offers up to 5X Rewards on eligible purchases. As can be seen, the reward rate is pretty good compared to other travel cards available.
Take a look at how the reward rate works:
- 5X Rewards per dollar spent on eligible RCI purchases;
- 2X Rewards per dollar spent on eligible travel purchases.;
- 1X Rewards per dollar spent on everything else.
The redemption program is flexible, as it should be. For travelers, this counts deeply. So, you can redeem your rewards even for cash back to help you pay for your next trip.
Also, you can redeem for the Worldwide Travel program featured by BarclaysUS.com, which includes car rentals, flights, hotels, and more.
In addition, every time you redeem, you get 5% Rewards back as a bonus. You might be wondering: Is that all? Nope!
The card comes with a 0% introductory APR on balance transfers for the first 45 days from the account opening.
And you get some specific promotions toward RCI, including credits.
In conclusion, this Mastercard doesn’t charge any foreign transaction fees or annual fees.
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RCI® Elite Rewards® Mastercard® benefits
As I have said before in this RCI® Elite Rewards® Mastercard® review, this card comes with all a traveler needs: security, a good reward rate, a flexible redemption program, promotions, bonuses, and more.
Fortunately, we couldn’t find any complaints about it.
Pros
- The card offers a good welcome bonus on the first purchase;
- It features up to 5X Rewards on eligible purchases;
- It doesn’t charge annual or foreign transaction fees;
- The redemption program is flexible, and you can redeem your rewards even for cash back;
- You can access many RCI benefits while getting credits;
- The card offers an introductory APR on balance transfers.
Cons
- We couldn’t find disadvantages to this credit card.
How good does your credit score need to be?
Although it is not disclosed, it is recommended that you have at least a good credit score to apply for this card.
How does the RCI® Elite Rewards® Mastercard® application work?
As can be seen, this card might be a fantastic choice for travelers. So, now, learn how the RCI® Elite Rewards® Mastercard® application works.
How to apply for an RCI® Elite Rewards® Mastercard
It is time to learn how to apply for an RCI® Elite Rewards® Mastercard® and start earning 2,500 Bonus Rewards after your 1st purchase.
About the author / Aline Augusto
Reviewed by / Aline Barbosa
Senior Editor
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