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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
2% at U.S. gas stations
1-5%
Cashback on Groceries
3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
1-5%
Cashback on other
Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back. 1% other purchases. Terms and limitations apply.
5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
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 the first 12 months
APR:
0%
Period:
14 months
Purchase APR
15.49%, 19.49% or 22.49% (Variable) 
13.74%-23.74% Variable 
11.74% - 23.74% Variable 
Rates and Fees
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:
15.49%, 19.49% or 22.49% (Variable)
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:
  15.49%, 19.49% or 22.49% (Variable)
 15.49%, 19.49% or 22.49% (Variable)
 25.74% (Variable)
APR Floor:
 N/A
 N/A
 N/A
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:
 
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 Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • Limited Time Offer: Apply by 5/3/17 - Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on 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.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.74% to 23.74%, based on your creditworthiness and other factors.
  • Terms Apply.
Terms and Limitations Apply
Credit Needed:
Excellent, Good
Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • You could turn $200 into $400 with Cashback Match(TM). Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO(R) Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent, Good