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RCI Elite Rewards Mastercard

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welcome offer

Earn 2,500 points after making a first purchase. Intro 0% APR for 15 months on balance transfers (after that 17.99%, 22.24% or 27.24% variable).

Bonus Value

Approximately $20

Annual Fee

$0

Card Rewards

5 points on eligible RCI purchases

2 points on eligible travel purchases

1 point everywhere else

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The RCI Elite Mastercard will cover your RCI travelling. Receive 2 points for money spent on eligible travel purchases

Card-Smart Tips & Advice
  • Credit: Good credit needed
  • Max cards: Barclays bank will (usually) only approve you for up to 2 personal credit cards within 12 months.
  • Barclays will not approve you for their business cards if you have opened 6 or more credit cards within the past 24 months.
  • Double-dipping: Barclays may not approve you for a credit card that you’ve already had in the past (and closed, for whatever reason).
  • Apply for two cards: If you apply for one Barclays card and get approved, it is recommended to apply for a second card since Barclays is very good about approving for two cards, even within the same day. You might have to call the reconsideration department to push for the second card to get approved.

  • Use your Barclays card often: If you do not use your open Barclays cards often, then Barclays may hesitate to approve you for a new one
  • Credit bureau: Barclays Bank will usually pull your Transunion credit report (if you freeze Transunion then Barclays will pull your Experian credit report)
  • Combining same-day credit inquiries: Many data points suggest that credit inquiries for same-day applications will be combined
  • Check application status: You can check your application status  here
  • Reconsideration: If declined you can call 1 866 408 4064 to be reconsidered
  • Quickest way to get my card: During the credit card application, you can request for your physical card to be expedited overnight via FedEx for a $15 fee. Barclays will not offer an instant credit card number for your new card

Balance Transfer Terms
  • Balance transfer fee: 3% or $5, whichever is greater
  • You cannot transfer balances from other credit cards issued by Barclays Bank
  • To receive the Intro APR Offer, transfers must be completed within the first 45 days
  • No penalty APR
Card Details And Benefits
Rewards

- 5 points on eligible RCI purchases
- 2 points on eligible travel purchases
- 1 point everywhere else

Foreign Transaction Fee

No foreign transaction fee.

Credits

Get a $250 credit towards an RCI vacation after spending $10,000 each calendar year.

Extra Redemption Value

Get 5% rewards back every time when redeeming your points.

Auto Rental Collision Insurance

Worldwide secondary coverage for rentals up to 31 days. Covers vehicle with MSRP up to $50,000.

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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