Barclays
Capital Vacations® World Mastercard®
Key Features
| Annual Fee | $0.00 |
| Intro APR | 0% promotional APR on all Qualifying Capital Vacations Club down payment purchases for 6 billing cycles from the transaction date. 0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. |
| Regular APR | APR for purchases 19.24% to 29.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. After that, (and for balance transfers that do not post to your account within 45 days of account opening) your APR will be 19.24% to 29.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. APR for cash advances 29.74% variable. This APR will vary with the market based on the Prime Rate. |
| Other Fees | Balance transfer – Either $5 or 5% of the amount of each transfer, whichever is greater. Balance transfer fee Either $5 or 5% of the amount of each transfer, whichever is greater. Balance transfer fee: 5% (min. $5). Cash advance fee 5% (min. $10). Foreign transaction fee: 0%. The minimum monthly interest charge will be $0.50. |
| Network | Mastercard |
About this card
The Capital Vacations® World Mastercard® receives an overall rating of 2.3 out of 5.0. This rating reflects a card with a niche appeal and several limitations, balancing a few positive aspects against more significant drawbacks. The card's strengths include no annual fee, a decent rewards rate for Capital Vacations purchases (5x), and the absence of foreign transaction fees. These features are beneficial for Capital Vacations members who frequently use the card within the Capital Vacations ecosystem. However, the high APR range (19.24% to 29.49%) significantly diminishes its value, especially for a card targeting individuals with good credit. The rewards program is narrowly focused and not particularly competitive compared to general travel or cash-back cards. Additionally, the limited reputation and lack of attention from major financial publications suggest that this card isn't a standout choice in the broader credit card market. The relatively high balance transfer fee also detracts from its overall appeal. Therefore, the card is best suited for those deeply embedded in the Capital Vacations program who can take advantage of the specific rewards and avoid carrying a balance to negate the high APR.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Sign-up bonus
- No foreign transaction fees
Things to consider
- High regular APR
- High balance transfer fee
What this card offers
Sign-up bonuses
- Earn 5,000 Bonus Rewards after making your first purchase
Rewards
- Earn 5X Rewards For every $1 spent on all eligible Capital Vacations purchases, including maintenance fees, exchange fees, and Lifestyles+
- Earn 2X Rewards for every $1 spent on all eligible RCI, travel, gas and EV charging purchases
- Earn 1X Rewards for every $1 spent on all other eligible purchases
Other features
- Redeem Rewards for cash back, statement credits, travel, gift cards, merchandise or charitable donations
- Get 5% of your Rewards back every time you redeem, as a bonus to use toward your next redemption
- 0% introductory APR for 15 months for each balance transfer made within 45 days of account opening. After that, a variable APR will apply, 19.24% to 29.49%, based on your creditworthiness and other factors. There is a fee for balance transfers.
- No foreign transaction fees On international purchases
- 3-night Capital Vacations Resort Stay Certificate After spending $10,000 in net purchases each calendar year
- $0 Fraud Liability Protection Means you’re not responsible for unauthorized charges you report to us
Additional Notes
The Capital Vacations® World Mastercard® is issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated. Mastercard, World Mastercard, World Elite Mastercard, and the circles design are registered trademarks of Mastercard International Incorporated.