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About Our Ratings
Credit Needed
Excellent

RCI® Elite Rewards® MasterCard® Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Annual Fee
None

This card compared to other cash back cards

Cashback on Gas
3% at U.S. gas stations
2% at U.S. gas stations
Cashback on Groceries
6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
3% at U.S. supermarkets on up to $6,000 per year in purchases
Cashback on other
1% other purchases. Terms and limitations apply.
1% other purchases. Terms and limitations apply.
Purchase Intro
APR:
0% introductory APR for the first six billing cycles after the account is opened
Period:
First 6 billing cycles
APR:
0% on Purchases
Period:
for 12 months
APR:
0% on Purchases
Period:
for 12 months
Purchase APR
15.24%, 19.24% or 22.24% (Variable)
13.49%-23.49% Variable 
13.49%-23.49% Variable 
CardRatings.com Editorial Staff

RCI® Elite Rewards® MasterCard® details

Balance Transfer Intro APR:
0% introductory APR for the first six billing cycles following each balance transfer that posts to your account within 45 days of account opening
Balance Transfer Intro Period:
First 6 billing cycles
Purchase Intro:
APR:
0% introductory APR for the first six billing cycles after the account is opened
Period:
First 6 billing cycles
Purchase APR:
15.24%, 19.24% or 22.24%
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 11.74%, 15.74% or 18.74%
 11.74%, 15.74% or 18.74%
 21.99%
APR:
  15.24%, 19.24% or 22.24%
(Variable)
 15.24%, 19.24% or 22.24%
 25.49%
APR Floor:
 None
 None
 None
Intro Rate:
 0% introductory APR for the first six billing cycles after the account is opened
 0% introductory APR for the first six billing cycles following each balance transfer that posts to your account within 45 days of account opening
 N/A
Intro Period:
 First 6 billing cycles
 First 6 billing cycles
 N/A


Finance Calculation Method:
 Daily balance (including new purchases)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 3% of each transaction in U.S. dollars
Late Fee:
 Up to $37
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either $5 or 3% of the amount of each transfer, whichever is greater  


Notes:

Rebate Description:
 Earn 2X Rewards on all your RCI purchases. 1X Rewards for every $1 you spend elsewhere. Designed specifically for timeshare owners, the RCI® Elite Rewards® MasterCard® allows you to earn Rewards toward RCI subscribing membership renewal, exchange fees, and much more with every dollar you spend on qualifying purchases.
Special Notes:
 Applicant must be at least 18 years old. Offer is available only to applicants who are residents of the United States, with the exception of Puerto Rico and the US territories, and may not be available if you already have or have had an account with Barclays Bank Delaware. Returned Payment Fee: Up to $37.
Credit Card More Information:

Card Issued By:
 Barclaycard
General Correspondence Address:

Card Type:
 MasterCard
Card Class:
 World
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

Credit Card Consumer Average Ratings:

Overall Ratings
Reward Program
Card Benefit
Customer Service

Credit Card Consumer Reviews:

  1. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Marilyn Bouman ( Aug 2, 2013 at 6:36 am)

    I never had a problem when this card was managed by Bank of America. Since it has been switched to Barclays Bank, I have been totally frustrated by their lack of customer service, their attitude and their incompetence. I am going to cancel my membership in this card as soon as the current issue is resolved.


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Apply online for Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms Apply.
Credit Needed:
Excellent, Good
Apply online for Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • Earn $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive cash back in the form of statement credits.
  • Earn Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
  • Simple and straightforward: With the Blue Cash Everyday Card, you can start earning cash back.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
Credit Needed:
Excellent, Good