RCI Elite Rewards Mastercard Review

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

• Generous reward rate. You will get a a rewards rate of 5 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.
• Signup bonus. Offers a signup bonus of 2500 points that can be redeemed for travel, gifts, or other perks.
• Competitive APRs. RCI Elite Rewards Mastercard has a variable purchase APR that ranges from 15.74% up to 24.99%.
• 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $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 rental insurance, emergency support, extended warranty protection on purchases, price protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 680.

RCI Elite Rewards Mastercard Pros and Cons:

The Good

The Bad

Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 15 months. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty and price protection on purchases. Travel accident and travel assistance insurance. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. RCI Elite Rewards Mastercard reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.

Requires good to excellent credit. Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee.

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	5%
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	2500

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 lower than average purchase APRs.

RCI Elite Rewards Mastercard has a variable purchase APR that ranges from 15.74% up to 24.99%. The card has a variable balance transfer APR that ranges from 15.74% up to 24.99%. It also has a variable cash advance APR of 25.24% .

What are the fees for RCI Elite Rewards Mastercard?

The following fees apply to RCI Elite Rewards Mastercard:

RCI Elite Rewards Mastercard Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

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.