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  RCI Elite Rewards Mastercard

RCI Elite Rewards Mastercard

in Personal Credit Cards from Barclays

Unaffiliated

RCI Elite Rewards Mastercard

Unaffiliated

in Personal Credit Cards from Barclays

Net Recommendation Score -100% 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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Highlights
Highlights
Community Rating

Rating not yet determined

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
Balance Transfer APR  (Variable APR) 16.49% - 23.49%
Credit Score Range 680 - 850
Annual Fee $0
Purchase APR  (Variable APR) 16.49% - 23.49%

RCI Elite Rewards Mastercard Review

RCI Elite Rewards Mastercard is a rewards credit card issued by Barclays.  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

  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
  • Generous reward rate. You can get a rewards rate of up to 2%.
  • 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% 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 that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. RCI Elite Rewards Mastercard has a variable purchase APR of up to 23.49%.
  • Charges foreign transaction fees. Avoid using this card when traveling outside the U.S. because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Good or better credit required. You should probably try with another card if your credit score is below 680.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, price protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
The Good The Bad
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Earn rewards on every purchase.
  • RCI Elite Rewards Mastercard reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Includes emergency support.
  • Extended warranty protection on purchases.
  • Price Protection.
  • Purchase Protection.
  • Travel Accident Insurance.
  • Travel Assistance.
  • Charges a foreign transaction fee of 3%.

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 2%
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:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • 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 a variable purchase APR that ranges from 16.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 16.49% up to 23.49%. It also has a variable cash advance APR starting at 26.74% .

Does RCI Elite Rewards Mastercard have an introductory APR offer?

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 does not offer an introductory rate on new purchases.
RCI Elite Rewards Mastercard Balance Transfers
Description
Balance Transfer APR 16.49% - 23.49%
Introductory Rate 0%
Intro APR period (months) 15
RCI Elite Rewards Mastercard Rates & Terms
Description
Balance Computation Daily balance (including new transactions)
Purchase APR 16.49% - 23.49%
Credit Limit N/A
Penalty APR N/A
Cash Advance APR Starting at 26.74%
Introductory Rate N/A
Intro APR period (months) N/A

What are the RCI Elite Rewards Mastercard fees?

The following fees apply to RCI Elite Rewards Mastercard:

RCI Elite Rewards Mastercard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee $37
Late Payment Fee $37

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 score.

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...

Contact

  • Headquarters
  •   125 South West Street
    Wilmington, DE 19801 USA
  •   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

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Availability

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

No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 23
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $0.50
Returned Payment Fee $37
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Late Fee Amount $37
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
Card Type
  • Balance Transfer
  • Bonus Offers
  • Rewards
  • Travel
Card Network
  • Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • Innovis
  • TransUnion
Lost Luggage Insurance  
Flight Insurance  
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
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
Bonus Rewards 2x
Rewards Categories
  • Every Purchase
Signup Bonus (points) 2,500
Cash Advance APR (Variable APR) Starting at 26.74%
Purchase APR (Variable APR) 16.49% - 23.49%
Balance Computation Daily balance (including new transactions)
Balance Transfer APR (Variable APR) 16.49% - 23.49%
Introductory Rate 0%
Intro APR period 15

RCI Elite Rewards Mastercard Community Reviews

 

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