Cash BackTravelNo Annual FeeGasNo Foreign Transaction FeesIntro Offer

Key Features

Annual Fee	$0.00
Intro APR	0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Regular APR	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%. 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. The minimum monthly interest charge will be $0.50. Cash advance fee: 5% (min. $10). Foreign transaction fee: 0%.
Network	Mastercard

Read the full review

Best for those with

Good Credit

About this card

The RCI Elite Rewards card has a few positive features, such as no annual fee and no foreign transaction fees. The intro APR for balance transfers also adds some value. However, the high regular APR, limited rewards program heavily tied to RCI timeshare redemptions, and a weak reputation significantly detract from its overall appeal. The card's value is primarily limited to frequent RCI users, and general consumers can find better options. Therefore, the overall rating is 2.1, reflecting its below-average value proposition for most consumers.

2.1

Overall Rating

Pros & Cons

What's great

No annual fee
Intro APR period
Generous sign-up bonus
High rewards rate
No foreign transaction fees
Cashback on purchases

Things to consider

High regular APR
High balance transfer fee
Limited rewards categories

What this card offers

Sign-up bonuses

5,000 Bonus Rewards after making your first purchase

Rewards

Earn 5X Rewards for every $1 spent on all eligible RCI purchases.
Earn 2X Rewards for every $1 spent on all eligible travel including rideshare, gas, and EV charging purchases.
Earn 1X Rewards for every $1 spent on all other purchases.
Get 5% Rewards back every time you redeem, as a bonus to use toward your next redemption.

Other features

Redeem Rewards for cash back, statement credits and more such as travel, gift cards, merchandise, Member Rewards or charitable donations.
Earn a $250 USD Vacation Credit after spending $10,000 in net purchases each calendar year.
No foreign transaction fees on international purchases.
No annual fee
$0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us

Additional Notes

Offer subject to credit approval.

Ratings

1.8

1.5

2.5

3.8

RCI® Elite Rewards® World Mastercard®