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RCI® Elite Rewards® Mastercard®

RCI® Elite Rewards® Mastercard®
BarclaysRCI Elite RewardsNo annual fee
Apply Now

on Barclays's website

Annual Fee
$0
Welcome offer
5,000 points
After $1 in 3 months

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Pros & Cons

Pros

  • +Welcome Bonus: 5,000 points
  • +Up to 5x on RCI stays
  • +No annual fee

Cons

  • –No purchase protection

Our Review

Unlock Extra Rewards on Every Getaway with the RCI Elite Rewards® Mastercard®

  • 5,000 bonus Rewards after your first purchase
  • 5X Rewards on qualifying RCI subscription payments
  • 2X Rewards on dining and eligible everyday purchases
  • 1X Reward on all other purchases, no caps
  • No annual fee and no foreign transaction fees
  • 0% intro APR on balance transfers for 15 months
  • No liability for unauthorized charges and built‑in travel protections
  • Redeem Rewards for cash back, RCI Member Rewards, gift cards, travel, experiences and more

Whether you’re renewing your RCI membership or booking adventures around the world, this card turns every swipe into valuable Rewards you can use however you like. Enjoy bonus points right away, elevated earnings on RCI payments and dining, plus comprehensive protections like rental car coverage, trip cancellation assistance and fraud monitoring. With no fees to hold or spend abroad and a long 0% APR window for transfers, the RCI Elite Rewards® Mastercard® keeps your travel budget—and your wallet—smiling.

Rewards

All Spending

1x

RCI Elite Rewards pts per dollar

RCI stays

5x

RCI Elite Rewards pts per dollar

Gas

2x

RCI Elite Rewards pts per dollar

Transit

2x

RCI Elite Rewards pts per dollar

Travel

2x

RCI Elite Rewards pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢3¢
Groceries1x
$700/mo
Gas & EV2x
$200/mo
Transit2x
$100/mo
Restaurants1x
$300/mo
Pharmacy1x
$50/mo
Travel2x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming1x
$100/mo
Office supplies1x
$0/mo
All other spending1x
$500/mo

Points Earned

35,400

RCI Elite Rewards/yr

Estimated Value

$354

After Fees

+$354

1st Year Value

$404

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 2x4,800 pts
Transit$1,200/yr × 2x2,400 pts
Restaurants$3,600/yr × 1x3,600 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 2x3,600 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.18x
Total points earned35,400 pts
Value of points accumulated in the first year≈ $354

Perks & Benefits

Travel Credits

$250

Additional Benefits

No foreign transaction fees on international purchases. $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us. Redeem Rewards for cash back, statement credits and more, such as travel, gift cards, merchandise, Member Rewards or charitable donations, and get 5% Rewards back every time you redeem, as a bonus to use toward your next redemption. Earn a $250 USD Vacation Credit after spending $10,000 in net purchases each calendar year.

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Barclays. All trademarks are property of their respective owners.