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RCI Elite Rewards Mastercard

in Personal Credit Cards

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RCI Elite Rewards Mastercard

Unaffiliated

in Personal Credit Cards

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Overview

Who Is RCI Elite Rewards Mastercard Designed For?

RCI Elite Rewards Mastercard is a personal credit card designed for individuals with good or excellent credit who are looking for extra perks related to RCI purchases. The card’s reward program offers double points on RCI purchases as well as earnings on all purchases. The credit card also comes with an introductory 0% APR for 15 months on balance transfers. Hence, if you are interested in those kinds of savings and prefer a card with no annual fee, RCI Elite Rewards Mastercard might be for you.

What Are the Rates for RCI Elite Rewards Mastercard?

RCI Elite Rewards Mastercard has a rate for purchases that ranges from 16.49% APR to 23.49% APR based on creditworthiness. The card has an introductory 0% APR for 15 months on balance transfers, after which the rate ranges from 16.49% APR to 23.49% APR based on creditworthiness. The rate for cash advances is 26.74% APR. There is no penalty APR. APRs will vary with the market based on the prime rate.

What Are the Fees for RCI Elite Rewards Mastercard?

There is no annual fee. There is a 3% foreign transaction fee. Balance transfers incur a fee of either 3% of the amount of each transfer or $5, whichever is greater. Cash advances incur a fee of either 5% of the amount of each cash advance or $10, whichever is greater. Late payments incur a fee up to $37. Returned payments incur a fee up to $37.

What Is the Rewards Program Like for RCI Elite Rewards Mastercard?

Cardholders earn 2 reward points for every $1 spent on RCI purchases and 1 reward point for every $1 spent on purchases elsewhere. Reward points can be redeemed for a variety of purposes including worldwide travel, RCI Member Rewards credits and RCI Resort Dollars cards. There are no limits to the total reward points you can earn, but reward points do expire four years from the end of the calendar quarter in which they were first earned.

What Is the Signup Bonus for RCI Elite Rewards Mastercard?

With RCI Elite Rewards Mastercard, cardholders earn 2,500 bonus reward points after their first purchase made within 60 days of opening an account.

Does RCI Elite Rewards Mastercard Have Any Other Benefits?

RCI Elite Rewards Mastercard offers $0 fraud liability protection and concierge services including recommendations and reservation assistance for travel, dining and entertainment. Mastercard’s benefits can also include extended warranty, roadside assistance, car rental collision damage waiver insurance, lost luggage insurance and travel accident insurance.

How Is RCI Elite Rewards Mastercard Better Than Other Credit Cards?

RCI Elite Rewards Mastercard has no annual fee, an introductory 0% APR for 15 months on balance transfers and other competitive rates. The rewards program offers points on all purchases and extra points on RCI purchases. The credit card also comes with added benefits like $0 fraud liability and concierge services.

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Availability

Available in 50 States and Washington, DC
  • 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

Grace Period / Deferred Interest (Months)
23
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$37
Returned Payment Fee
$37
Minimum Interest Charge
$0.5
Foreign Currency Transaction Fee
3%
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Credit Score Range
680 - 850
850 300 680
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Minimum Age
18
Customer Type
Personal
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Card Type
  • Balance Transfer
  • Bonus Offers
  • Rewards
  • Travel
Card Network
  • Mastercard
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • ID Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Lost Luggage Insurance
Car Rental Insurance
Extended Warranty
Fraud Liability
Travel Insurance
Emergency Support
Flight Insurance
Bonus Rewards
2x
Rewards Categories
  • Every Purchase
Every Purchase
1x
Signup Bonus (points)
2,500
Cash Advance APR
(Variable APR)
Starting at
26.74%
Purchases APR
(Variable APR)
16.49% - 23.49%
0% 29%
Balance Computation
Daily balance (including new transactions)
Balance Transfer APR
(Variable APR)
16.49% - 23.49%
8% 29%
Transfer Fee
3%
Transfer Fee Minimum
$5
Transfer Fee
3% ($5 minimum)
Introductory Rate
0%
Intro APR period (months)
15

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