Last Updated: 05/14/2026
SuperMoney User Recommendation Score -80
Strongly not recommended10 total votes
Explore a similar product
Try this top product in Credit Cards
Total Visa® Credit Card
Mostly recommended35 reviews
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreCompare All Credit Cards
Filter & compare all your options in one place.
Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
17.99% - 27.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
17.99% - 27.24%(Verified 06/21/2024)
Disclaimer popup with additional information
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
| The Good | The Bad |
|
|
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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
Other Services by Barclays Bank
Other Credit Cards from Barclays Bank
Sponsored
Mastercard® Black Card®
Sponsored
Purchase APR
19.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
19.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
740 - 850
300
850
Annual Fee
$699
Disclaimer popup with additional information
Sponsored
Mastercard® Gold Card™
Sponsored
Purchase APR
19.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
19.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
740 - 850
300
850
Annual Fee
$1.2K
Disclaimer popup with additional information
Sponsored
Mastercard® Titanium Card®
Sponsored
Purchase APR
19.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
19.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
740 - 850
300
850
Annual Fee
$299
Disclaimer popup with additional information
Purchase APR
16.99% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 27.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
18.99% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 27.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
17.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
17.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
Starting at 740
Annual Fee
$0
Rating not yet determined
Purchase APR
19.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
19.74% - 28.74%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Rating not yet determined
Purchase APR
18.74% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
18.74% - 27.99%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -80, or 1.4 on a 5-point rating scale.
-80
-1000+100
No one recommends
Everyone recommends
RCI Elite Rewards Mastercard Community Reviews
Would you recommend RCI Elite Rewards Mastercard to your friends?
LF
Lauren F.
Mar 23, 2023
May or may not recommend
I opened this card in August 2022, and have already had to contact them more than once for mistakes on their end. The first time, their website was down for days, and they tried to penalize me for not being able to make a payment. Once I showed proof of their technical problem, they reversed it. Then they removed my promotional offer, had no explanation and had to reinstate ...Show More
Joe M.
Dec 23, 2022
May or may not recommend
RCI website stated that I would receive a $50 discount for using the barclay credit card. I never received my discount. I called RCI and they said to call barclay. Barclay said to call RCI.
I decided to get off the merry-go-round and check the credit card reviews. It seams that a lot of people have problems with the barclay credit card. I do not recommend it.
VH
Vickie H.
Dec 20, 2022
May or may not recommend
Worst credit card I have everhad Today
I called for the last 12 month statement 21 minutes I have had so many issues and I think a third of the issue is communication
RB
Rafi B.
Oct 16, 2022
May or may not recommend
Barclays bank refused to protect my interests by opening a fraud case on my behalf to recover almost $8,100 in charges from a Mexican timeshare purchase scam called Krystal International Vacation club. Instead, Barclays insisted on opening a dispute, which later was decided against me despite the explanation I provided. Krystal I.V.C. Promised rental income of $8,000 Andalusia to be sent by every June of the following 4 years ...Show More
CD
Carolyn D.
Jun 18, 2022
May or may not recommend
Barclays is the worst. I was promised 100.00 if I spent 300.00 last December and I still don't have it. Barclay sends me to RCI and RCI sends me back to Barclays. Ridiculous.
Amanda H.
Dec 28, 2021
May or may not recommend
They conspire with other companies to fraud people our of money.
U
Anonymous
Sep 26, 2020
May or may not recommend
Do not fall for the promised $50 New Customer credit.
LC
Laurence C.
Jun 26, 2020
May or may not recommend
Barclays bank refused to protect my interests by opening a fraud case on my behalf to recover almost $20,000 in charges from a Mexican timeshare purchase scam. Instead, Barclays insisted on opening a dispute, which later was decided against me despite the mounds of documentation and explanation I provided. Basically, the vendor gave me receipts for one thing and falsely charged me for another, leaving me with no receipts that ...Show More
JJ
Judy J.
May 30, 2020
May or may not recommend
Great rewards and also the interest-rate is good. I’ve been a member for years!
KL
Kevin L.
Sep 17, 2018
May or may not recommend
rip off, tied into a lot of pure fraud, such as Reserve membership, reserve one, Fiore Travel & others
Showing 10 of 10 reviews
You might also like
Best Personal Credit Cards
SuperMoney
Using Your Credit Card and Maintaining a High Credit Score
Gina Roberts-Grey
Can Your Kids Handle Credit Cards?
Audrey Henderson
Don't Want a Credit Card? You're Not Alone
LeeAnn Neal
What Are The Different Types of Credit?
Julie Bawden-Davis
