RCI Elite Rewards® Mastercard®

Image of the RCI Elite Rewards® Mastercard®

2X rewards

for every $1 you spend on eligible RCI purchases2

1X rewards

for every $1 you spend on qualified purchases elsewhere2

2,500 bonus rewards

after your first purchase2


annual fee1


  • Earn 2,500 bonus rewards

    after your first purchase2
  • Earn 2X rewards

    for every $1 you spend on eligible RCI purchases2

  • Earn 1X rewards

    for every $1 you spend on qualified purchases elsewhere²
  • Use rewards for worldwide travel

    including flights, hotels, car rentals and more
  • Use rewards to earn RCI Resort Dollars® cards

    good for onsite activities and other expenses

  • Redeem for RCI Member Rewards® credits

    Use toward exchange fees and RCI subscribing membership renewals

  • Low intro APR on balance transfers

    0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 21.99%, or 26.99%, based on your creditworthiness1


  • Concierge service

    provides personal assitance via telephone, including recommendations and reservations for dining, travel, hotels, entertainment and sporting events

  • $0 Fraud Liability protection

    means you're not responsible for unauthorized charges you did not authorize

Interest Rates and Charges Summary

Fee Summary

See terms and conditions for a complete listing of rates and fees

Important Information

  1. Offer subject to credit approval. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your obligations, we may not be able to open an account for you. This offer is available to new cardmembers only. For information about rates, fees, other costs, the reward program rules, and benefits associated with the use of the credit card program, please see the Terms and Conditions.

    Annual Fee: $0. 0% introductory APR on balance transfers made within 45 days of account opening is applicable for the first 15 billing cycles that immediately follow each balance transfer. This introductory APR offer does not apply to purchases and cash advances. For purchases, and new and outstanding balance transfers after the introductory period, the variable APR is 16.99%, 21.99%, or 26.99% depending upon our review of your application and your credit history at account opening. The variable APR for cash advances is 27.24%. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. For more information see the “About the Variable APRs on Your Account” section of the Terms and Conditions. The minimum monthly interest charge will be $0.50. Balance transfer fee: 3% (min. $5). Cash advance and cash equivalent fees: 5% (min. $10). Foreign transaction fee: 3%. See Terms and Conditions for more information about the terms of this offer.

  2. Please review the Rewards Summary for important information about the program benefits and features listed above and the Terms and Conditions for full details about the rewards benefits (such as how points or miles are earned), interest rates and account fees and terms for this particular offer before applying. 

Rewards Summary

      Earning Rewards: Cardmember(s) earn "Rewards" in the following amounts based upon the type of Purchase transaction charged to the Account:  

      a) Earn two (2) Rewards for each one dollar ($1) in net purchases made: (i) for room charges at participating properties listed online at RCIEliteRewards.RCI.com, (ii) at participating car rental locations, (iii) for purchases from any Bonus Rewards Partner listed online at RCIEliteRewards.RCI.com, or (iv) for purchases with RCI (Bonus Rewards exclude RCI Travel, RCI Points Partners, RCI Cruise, Lifestyle Benefits, and Experiential Vacation Transactions), and/or (v) through special promotional allotments of Rewards from participating Bonus Rewards Partners.

      b) Earn one (1) Reward per one dollar ($1) spent on all other purchases.

      Bonus Rewards: Receive 2,500 Bonus Rewards in addition to the regular Rewards you earn after making an initial retail purchase with this card. Bonus Rewards will post within 60 days of your first purchase. This promotion is limited to new Cardmembers. 

      The following transactions are excluded from "Purchases" and do not earn Rewards unless stated: interest, finance charges, balance transfers, convenience checks, cash advances and credit fees. Restrictions apply. There is a fee for Balance Transfers. Balance Transfer Checks and Convenience Checks do not qualify for balance transfer points. Please see the Terms and Conditions for more information. This program is void where prohibited by law. Other restrictions apply.

      Bonus Rewards on purchases at participating merchants: You may earn bonus Rewards on eligible purchases at participating merchants with your RCI Elite Rewards Mastercard. Bonus Rewards earnings will vary and are subject to change at any time. RCI is solely responsible for establishing the terms and conditions of bonus Rewards earned through participating merchants. Cardmembers can visit https://rcieliterewards.rci.com/terms.php (section 32) for information on participating merchants, timing of when bonus Rewards are awarded, and Program terms and conditions.

      The words "Reward" and "Rewards" which are mentioned throughout this piece refer specifically to Rewards earned solely through the RCI Elite Rewards Mastercard Program. These Rewards cannot be interchanged with points received or borrowed through the RCI Points program. The RCI Elite Rewards Mastercard Program is a separate program and has no relationship in any way with the RCI Points program. RETAIL AND DINING REWARDS ARE SUBJECT TO SPECIAL TERMS. No sponsorship, endorsement, approval or responsibility for this promotion by independent retailers.

      The RCI Resort Dollars card is subject to certain rules and restrictions of RCI, the preloaded card provider and the participating merchant accepting the preloaded card. RCI affiliated resorts are not sponsors or co-sponsors of this program. RCI Member Rewards are in the form of a credit to an RCI subscribing membership account and are subject to certain terms and conditions. RCI Member Rewards may only be used toward certain RCI services. Taxes are excluded from value stated. Redemption of Rewards for RCI Member Rewards starts at 2,000 Rewards for $25 RCI Member Rewards (1.25% value). Redemption is available in increments of $25 RCI Member Rewards and as the Reward increments increase, the redemption can offer a greater value. For information about RCI Elite Rewards - Program Rules, please visit https://rcieliterewards.rci.com/terms.php

      RCI and related marks are registered trademarks and/or service marks in the United States and internationally. All rights reserved.

      The RCI Elite Rewards Mastercard is issued by Barclays Bank Delaware (Barclays) pursuant to a license from Mastercard International Incorporated. Mastercard and World Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.