Last Updated: 07/28/2025
SuperMoney User Recommendation Score -80
Strongly not recommended10 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
17.99% - 27.24%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
17.99% - 27.24%(Verified 06/21/2024)
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Credit Score Range
680 - 850
Annual Fee
$0
Number of Reviews
RCI Elite Rewards Mastercard Review
This is a travel card issued by Barclays Bank. If you're wondering whether RCI Elite Rewards Mastercard 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% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- Earn 2,500 Bonus Rewards after your first purchase – that’s worth $25 in RCI Member Rewards.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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.
- A 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 up to 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 excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of RCI credit card
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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.
| Description |
Does RCI credit card have a signup bonus?
Yes. Earn 2,500 Bonus Rewards after your first purchase – that’s worth $25 in RCI Member Rewards.
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?
RCI Elite Rewards Mastercard 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower 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 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 17.99% - 27.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 customer service number for RCI credit card is .
What is the login page for RCI credit card?
You can access the login page of RCI credit card 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 to the following credit bureaus:
- 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 build your credit.
Does Barclays Bank perform a hard credit pull?
Yes, RCI credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for RCI credit card
- Visit the website of RCI credit card.
- 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.
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