Overview

Who is this credit card designed for?

RCI Elite Rewards Mastercard is a credit card issued by Barclays, which is based in Wilmington, DE. 

RCI Elite Rewards Mastercard is designed for people with a credit score of 680 to 850. It's perfect for consumers looking for a card without an annual fee. A rewards program is included that allows you to convert your purchases into travel, gifts, or other perks. This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR.

What are the relevant APRs?

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%.

Is an introductory APR offer available?

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

RCI Elite Rewards Mastercard does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to RCI Elite Rewards Mastercard:

• There is no annual fee.
• A late payment penalty of up to $37.
• RCI Elite Rewards Mastercard does not charge a returned payment fee.
• A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

RCI Elite Rewards Mastercard offers a rewards program to its customers. This card features rewards for purchases in the following categories:

• Every Purchase

Is a signup bonus offered?

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.

Is an annual loyalty bonus offered?

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

What additional benefits are offered?

 RCI Elite Rewards Mastercard provides the following benefits:

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.