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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

Card Name
RCI® Elite Rewards® MasterCard®
Cashback on Gas
1%
5% Earnings for $5k and 2% after
Cashback on Groceries
1%
5% Earnings for $5k and 2% after
Cashback on other
5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
5% Earnings for $5k and 2% after
Purchase Intro
APR:
0% introductory APR for the first six billing cycles after the account is opened
Period:
First 6 billing cycles
APR:
0%
Period:
14 months
APR:
0% intro on purchases
Period:
12 months
Purchase APR
15.24%, 19.24% or 22.24% (Variable)
11.24% - 23.24% Variable 
13.15% - 23.15% (V) (V)
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 Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • You could turn $200 into $400 with Cashback Match(TM). We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 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 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
Apply online for BuyPower Card from Capital One®

BuyPower Card from Capital One®

  • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees. Save even more when you combine your available Earnings with most current GM offers and incentives.
  • 0% intro APR on purchases for 12 months, then a 13.15% - 23.15% variable APR on purchases will apply
Credit Needed:
Excellent/Good