Features

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 15.99% APR to 22.99% APR based on creditworthiness. The card has an introductory 0% APR for 15 months on balance transfers, after which the rate ranges from 15.99% APR to 22.99% APR based on creditworthiness. The rate for cash advances is 26.24% 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.

  • Card Type
    • Travel
    • Balance Transfer
    • Rewards
  • Customer Type
    Personal
  • Card Network
    Mastercard
  • Credit Score Range
    680 - 850
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
    18
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Grace Period / Deferred Interest
    23
  • Late Payment Penalty
    $37
  • Minimum Interest Charge
    $1
  • Returned Payment Fee
    $37
  • Foreign Currency Transaction Fee
    3%
  • No Annual Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • Points
  • Signup Bonus (points)
    2,500
  • Balance Computation
    Daily balance (including new transactions)
  • Purchases APR
    15.99% - 22.99%
  • Transfer Fee
    3% ($5 minimum)
  • Balance Transfer APR
    15.99% - 22.99%
  • Intro APR period (months)
    15
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