Review
Barclays RCI® Elite Rewards® World Mastercard® Review: Maximize RCI Benefits with Solid Rewards
Looking for a card to boost your RCI membership perks? The RCI® Elite Rewards® World Mastercard® lets you earn big on RCI purchases and travel, plus score a $250 vacation credit. Find out if it's the right fit!
| Annual Fee | $0.00 |
| 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. |
| 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. |
| Rewards Rate | 1x-5x Rewards |
| Sign-up Bonus | 5,000 Bonus Rewards |
| 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%. |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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 timesh...