RCI® Elite Rewards® Mastercard®

RCI® Elite Rewards® Mastercard® review

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Advertiser Disclosure

Interest Rate: Purchases
16.74% ‐ 26.74% (Variable)
Balance Transfer
16.74% ‐ 26.74% (Variable) (0% for the first 15 months)
Rewards
1 - 2 points
Signup Bonus
-


6.4/10
Informr score
The RCI® Elite Rewards® Mastercard® currently has an Informr score of 6.4 out of 10. This score is based on our evaluation of 3 sources including reviews from users and the web's most trusted critics.

Am I eligible?


RCI® Elite Rewards® Mastercard® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


RewardExpert

If you’re a timeshare owner and member of RCI, rent vacation space through RCI or even stay as a guest at an RCI property, you could find value in having the RCI Elite Rewards MasterCard.

- Christine Krzyszton, RewardExpert
Finder

If you’re an RCI regular, this card is a fine choice. It offers accelerated earnings for eligible RCI purchases and good redemption power for Member Rewards. Furthermore, you can’t beat a $0 p.a. annual fee.

- Finder team, Finder
HighYa

Based on the rewards structure of this card, we believe the person who could best use this card is someone who is an RCI member, travels frequently and uses the RCI website to book all their travel.

- J.R. Duren, HighYa

Details


Interest Rates
Regular APR Interest Rate 16.74% ‐ 26.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 16.74% ‐ 26.74% (Variable) (0% for the first 15 months)
  • Intro rate applies on balances transferred within the first 45 days of account opening.
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 26.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00


Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus

Earn 2,500 bonus rewards after your first purchase.

Rewards
All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel 2 points per $1 spent
Pharmacy No
Bills No
Additional Details

- 5 point per $1 spent on eligible RCI purchases

- Get 5% Rewards back every time you redeem, as a bonus to use toward your next redemption

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Android Pay
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


RewardExpert

Earn rewards that can be used for your RCI timeshares and other travel expenses with this card

from RewardExpert

If you’re a timeshare owner and member of RCI, rent vacation space through RCI or even stay as a guest at an RCI property, you could find value in having the RCI Elite Rewards MasterCard.

Read full review

If you’re a timeshare owner and member of RCI, rent vacation space through RCI or even stay as a guest at an RCI property, you could find value in having the RCI Elite Rewards MasterCard.

Read full review

Less

Finder

A no-frills card for RCI regulars

from Finder

If you’re an RCI regular, this card is a fine choice. It offers accelerated earnings for eligible RCI purchases and good redemption power for Member Rewards. Furthermore, you can’t beat a $0 p.a. annual fee.

Read full review

If you’re an RCI regular, this card is a fine choice. It offers accelerated earnings for eligible RCI purchases and good redemption power for Member Rewards. Furthermore, you can’t beat a $0 p.a. annual fee.

Read full review

Less

HighYa

The card’s rewards rate is mediocre

from HighYa

Based on the rewards structure of this card, we believe the person who could best use this card is someone who is an RCI member, travels frequently and uses the RCI website to book all their travel.

Read full review

Based on the rewards structure of this card, we believe the person who could best use this card is someone who is an RCI member, travels frequently and uses the RCI website to book all their travel.

Read full review

Less

User Reviews


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