RCI Elite Rewards Mastercard
in Personal Credit Cards from Barclays
Cast your vote
Would you recommend RCI Elite Rewards Mastercard to your friends?
| Community Rating |
Rating not yet determined |
| Balance Transfer APR (Variable APR) | 16.49% - 23.49% |
| Credit Score Range | 680 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 16.49% - 23.49% |
RCI Elite Rewards Mastercard Review
RCI Elite Rewards Mastercard is a rewards credit card issued by Barclays. If you're wondering whether RCI Elite Rewards Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.
Key Takeaways
- No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
- Generous reward rate. You can get a rewards rate of up to 2%.
- 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% for up to 15 months , which is longer than the average 0% APR period of 12 months.
- Signup bonus. Offers a signup bonus of 2500 that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. RCI Elite Rewards Mastercard has a variable purchase APR of up to 23.49%.
- Charges foreign transaction fees. Avoid using this card when traveling outside the U.S. because it charges a commission of 3% every time you make a transaction outside the U.S.
- Good or better credit required. You should probably try with another card if your credit score is below 680.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, price protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
| The Good | The Bad |
|---|---|
|
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Is there a RCI Elite Rewards Mastercard cash back or rewards program?
RCI Elite Rewards Mastercard offers a rewards program to its customers.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 2% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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.| Description | |
|---|---|
| Balance Transfer APR | 16.49% - 23.49% |
| Introductory Rate | 0% |
| Intro APR period (months) | 15 |
| 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:
| 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.
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Contact
- Headquarters
-
125 South West Street
Wilmington, DE 19801 USA - Visit Site
Other Services by Barclays
View all personal credit cards offered by Barclays
Availability
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 |
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