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  RCI Elite Rewards Mastercard

RCI Elite Rewards Mastercard

in Personal Credit Cards from Barclays Bank

Claimed

RCI Elite Rewards Mastercard

Claimed

in Personal Credit Cards from Barclays Bank

Net Recommendation Score -33%

SUPERMONEY NET RECOMMENDATION SCORE

-33%

-100% 0% +100%
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Highlights
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Community Rating

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In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR  (Variable APR) 15.74% - 24.99%
Balance Transfer APR  (Variable APR) 15.74% - 24.99%
Credit Score Range 680 - 850
Annual Fee $0

RCI Elite Rewards Mastercard Review

RCI Elite Rewards Mastercard is a rewards credit card issued by Barclays Bank. If you're wondering whether RCI Elite Rewards Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a a rewards rate of 5 points per dollar spent.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
  • Signup bonus. Offers a signup bonus of 2500 points that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. RCI Elite Rewards Mastercard has a variable purchase APR that ranges from 15.74% up to 24.99%.
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. RCI Elite Rewards Mastercard charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as price protection, purchase protection, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 680.
RCI Elite Rewards Mastercard Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • No annual fee.
  • Multiple credit card perks.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • RCI Elite Rewards Mastercard reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
RCI Elite Rewards Mastercard FAQ

Is there a RCI Elite Rewards Mastercard cash back or rewards program?

RCI Elite Rewards Mastercard offers a rewards program to its customers.

RCI Elite Rewards Mastercard Rewards
Rewards rate (all purchases) 1%
Max rewards rate 5%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 2500

Does RCI Elite Rewards Mastercard have a signup bonus?

RCI Elite Rewards Mastercard doesn't offer a cash signup bonus. However, it does include a 2500 points signup bonus that can be redeemed for travel, gifts, or other perks.

Does RCI Elite Rewards Mastercard offer an annual loyalty bonus?

RCI Elite Rewards Mastercard doesn't offer a cash loyalty bonus.

What are the RCI Elite Rewards Mastercard benefits?

RCI Elite Rewards Mastercard provides the following benefits:

  • Price Protection
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for RCI Elite Rewards Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. RCI Elite Rewards Mastercard has lower than average purchase APRs.

RCI Elite Rewards Mastercard has a variable purchase APR that ranges from 15.74% up to 24.99%. The card has a variable balance transfer APR that ranges from 15.74% up to 24.99%. It also has a variable cash advance APR of 25.24% .

Does RCI Elite Rewards Mastercard have an introductory APR offer on balance transfers?

Yes, RCI Elite Rewards Mastercard offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

RCI Elite Rewards Mastercard Balance Transfers
Description
Balance Transfer APR 15.74% - 24.99%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 15
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum $5

Does RCI Elite Rewards Mastercard have an introductory APR offer on new purchases?

RCI Elite Rewards Mastercard does not offer an introductory rate on new purchases.
RCI Elite Rewards Mastercard Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for RCI Elite Rewards Mastercard?

The following fees apply to RCI Elite Rewards Mastercard:

RCI Elite Rewards Mastercard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does RCI Elite Rewards Mastercard have a foreign transaction fee?

RCI Elite Rewards Mastercard charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does RCI Elite Rewards Mastercard report your account activity to credit bureaus?

RCI Elite Rewards Mastercard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion
  • Innovis

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for RCI Elite Rewards Mastercard

  • Visit the RCI Elite Rewards Mastercard website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   125 South West Street
    Wilmington, DE 19801
  •   Visit Site

Hours of Operation

  • Sunday 8:00am - 8:00pm
  • Monday 8:00am - 8:00pm
  • Tuesday 8:00am - 8:00pm
  • Wednesday 8:00am - 8:00pm
  • Thursday 8:00am - 8:00pm
  • Friday 8:00am - 8:00pm
  • Saturday 8:00am - 8:00pm

Other Services by Barclays Bank

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View all personal credit cards offered by Barclays Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 1x
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $0.50
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • Innovis
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Bonus Rewards 2,500 Bonus Rewards after your first purchase.
Rewards Categories Every Purchase
Signup Bonus (points) 2,500
Rewards Type Points
Cash Advance APR (Variable APR) 25.24%
Balance Computation Daily balance (including new transactions)
Purchase APR (Variable APR) 15.74% - 24.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 15.74% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

RCI Elite Rewards Mastercard Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-33%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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