
RCI Elite Rewards Mastercard
Would you recommend RCI Elite Rewards Mastercard to your friends?
Community Rating | Strongly not recommended |
Purchase APR (Variable APR) |
17.99% - 27.24% (Verified 08/04/2023) |
Balance Transfer APR (Variable APR) |
17.99% - 27.24% (Verified 08/04/2023) |
Credit Score Range | 680 - 850 |
Annual Fee | $0 |
Number of Reviews | 10 |
RCI Elite Rewards Mastercard Review
This is a rewards card issued by Barclays Bank. If you're wondering whether RCI credit card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5 reward 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.
- Earn 2,500 Bonus Rewards after your first purchase – that’s worth $25 in RCI Member Rewards.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.99% up to 27.24%.
- 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 3% on balance transfers. For example, a balance of $1,000 could cost $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 Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of RCI credit card
The Good | The Bad |
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RCI credit card FAQ
Does RCI credit card have a cash back or rewards program?
RCI credit card is a travel rewards card.
Minimum rewards rate | 1x |
Max rewards rate | 5x |
Annual rewards limit | N/A |
Signup Bonus (Points/Miles) | 2500 |
Does RCI credit card have a signup bonus?
This card 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 credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the RCI credit card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for RCI credit card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.RCI Elite Rewards Mastercard has a variable purchase APR that ranges from 17.99% up to 27.24%. The card has a variable balance transfer APR that ranges from 17.99% up to 27.24%. It also has a variable cash advance APR of 27.49% .
Does RCI credit card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 15 months |
Balance Transfer APR | 17.99% - 27.24% |
Balance Transfer Fee Minimum | $5 |
Balance Transfer Fee % | 3% |
Does RCI credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for RCI credit card?
The following fees apply:
Description | |
---|---|
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Up to 5% |
Minimum Cash Advance Fee ($) | Starting at $10 |
Foreign Currency Transaction Fee | 3% |
No Annual Fee? | |
Annual Fee | $0 |
Minimum Interest Charge | $0.50 |
No Interest Grace Period for Late Payment | 23 days |
Returned Payment Fee | Up to $40 |
Late Fee Amount | Up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does RCI credit card have a foreign transaction fee?
RCI credit card 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 foreign transaction fees.What is the customer service phone number for RCI credit card?
The RCI credit card customer service number is (888) 710-8756.
What is the support contact email for RCI credit card?
The support contact email for RCI credit card is online@barclaysus.com.
What is the RCI credit card login page?
You can access the RCI credit card login page here.
How do people rate the customer service and user experience of RCI credit card?
Overall, RCI credit card is strongly not recommended based on community reviews that rate customer service and user experience.
Does RCI Elite Rewards Mastercard report your account activity to credit bureaus?
Yes, 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 may help improve your credit.
How to apply for RCI credit card
- Visit the RCI credit card 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
125 South West Street
Wilmington, DE 19801 USA - (888) 710-8756
- Visit Site
- Email Support
Other Services by Barclays Bank
Other Credit Cards by Barclays Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Up to 5% |
Minimum Cash Advance Fee ($) | Starting at $10 |
Foreign Currency Transaction Fee | 3% |
No Annual Fee | |
Annual Fee | $0 |
Minimum Interest Charge | $0.50 |
No Interest Grace Period for Late Payment | 23 days |
Returned Payment Fee | Up to $40 |
Late Fee Amount | Up to $40 |
RCI Elite Rewards Mastercard Community Reviews
Would you recommend RCI Elite Rewards Mastercard to your friends?
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