The RCI Elite Rewards Mastercard from Barclaycard has an offer for 2,500 bonus rewards when you make your first purchase. We value these rewards to be worth around $25. That’s a lackluster welcome offer compared to what other no-annual-fee cards are offering. See our list for other travel cards such as the Marriott Bonvoy Bold® Credit Card.
RCI is a major exchange network that lets owners swap or rent out their timeshares. Affiliated properties can be found in 110 countries at more than 4,300 resorts.
RCI Elite Rewards Mastercard is a barebones rewards card designed for those who often stay at RCI timeshare properties. You’ll earn 5x rewards for RCI spending, 2x rewards on eligible travel purchases and 1x points on everything else. Plus, enjoy a 5% rewards rebate every time you redeem.
Not a fan of RCI? Then this co-branded card won’t do you any good. Instead, opt for a rewards card offered by your favorite hotel group.
|Bonus Available||Get 2,500 bonus rewards after your first purchase.|
|Travel Credit||Receive a $250 vacation credit towards one RCI vacation when you spend $10,000 in purchases each calendar year.|
|Ongoing Rewards/Benefits||Earn 5x rewards for every $1 spent on eligible RCI purchases.|
2x rewards for every $1 spent on eligible travel purchases.
1x rewards for every $1 spent on all other purchases.
Get 5% rewards back every time you redeem.
|Foreign Transaction Fees?||No|
*Bonus value is an estimated value calculated by MoneysMyLife and not the card issuer. Read our card review for more details.
View our latest valuations here.
- No annual fee
- Annual spend bonus
- Redemption rebate
- No foreign transaction fees
- Good-Excellent credit needed to qualify
- Small welcome bonus
RCI Elite Rewards Card 2,500 Bonus Rewards Offer
Take advantage of the RCI Elite Rewards card’s introductory offer: 2,500 bonus rewards. I value these rewards at around $25 (more on that below).
To qualify, charge your first purchase to your card. There’s no spending requirement or time limit to worry about.
What Are RCI Elite Rewards Worth?
Like many other credit cards, the value of your rewards depends on how you use them. My valuation puts each RCI Elite reward at approximately $0.01. That’s on par with the industry average.
When you’re ready to redeem your rewards, you have a few options, including:
- RCI Member Rewards credits
- Cash back direct deposits and statement credits
- Travel booked through BarclaysUS.com, including flights, hotel stays and car rentals.
- Gift cards
- Charitable donations
Every once in awhile, RCI will run redemption discounts, which boost the value of your rewards. If you’re not in a rush to redeem, it’s best to sit back and wait for the promotional discount.
RCI Elite Rewards Card Top Features
Every calendar year, you’re eligible for a $250 vacation credit towards an RCI vacation when you charge at least $10,000 to your RCI Elite Rewards card. To hit the threshold, you need to spend more than $833 a month.
Here are some ideas on meeting the spending requirement:
Receive a 5% rewards rebate every time you redeem to use towards your next redemption. For example, if you redeem 40,000 rewards, you would get 2,000 rewards as a bonus.
Make purchases abroad without worrying about foreign transaction fees with the RCI Elite Rewards card.
The RCI Elite Rewards Mastercard is a good option for:
- Timeshare owners and members of RCI
- Those who rent vacation space through RCI
- RCI property guests
You’ll earn bonus rewards for RCI and travel spending, and you have multiple options for redeeming them.
On the other hand, if RCI timeshares aren’t your thing, you’ll find more value with a card that offers bigger rewards in other bonus categories.
What’s The Competition?
Below are some of the top competitors to the RCI Elite Rewards Mastercard you should consider.
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