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Review of the RCI® Elite Rewards® MasterCard

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Brendan Harkness By Brendan Harkness Nov 25, 2015 | Updated Jan 07, 2020
Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 17.24%, 22.24%, or 27.24% Variable

RCI® Elite Rewards® Mastercard®

Our rating
Fair Min. credit level
Apply Now

The RCI® Elite Rewards® MasterCard was created for members of RCI, a major timeshare vacation network.

Cardholders earn 2 Rewards per dollar spent on RCI purchases, and can redeem them in a number of ways (note: you don’t earn points or cash back with this card – instead, the rewards you get are simply called “Rewards”).

It’s a fairly simple card, and you’d only want it if you’re already very interested in using RCI to stay in timeshares. Read on to learn about the types of rewards it offers, how it could help you save some money on vacations, and if it’s really the right card for you.

RCI® Elite Rewards® Mastercard®

RCI® Elite Rewards® Mastercard®

Our rating
Min. credit levelFair
Details
Annual Fee$0
Regular APR17.24%, 22.24%, or 27.24% Variable
Apply Now

securely on the issuer's website

  • Earn 5X points per dollar spent on RCI® purchases
  • Earn 2X points per dollar spent on all eligible travel purchases
  • Earn 1X point per dollar spent on all other purchases
  • 2,500 bonus reward points after your first purchase
  • $250 vacation credit after spending $10,000 in a year
  • 5% rewards back when you redeem, as a bonus towards your next redemption
  • 0% intro balance transfer offer for 15 billing cycles (must be made within the first 45 days of account opening), and then your rate will be 17.24%, 22.24%, or 27.24% Variable
  • Rewards expire after 4 years
  • No annual fee
  • No foreign transaction fees

The Rewards

This card provides:

  • 2 Rewards per dollar on eligible purchases from RCI, which includes more than you might expect:
    • purchases from RCI
    • room charges for properties found through RCI
    • participating car rental companies
    • purchases and special promotions from Bonus Rewards Partners listed on the RCI website
  • 1 Reward per dollar on all other purchases
  • 2,500 bonus Rewards after you make your first purchase
  • Opportunities to earn more Rewards per dollar from Bonus Rewards Partners

You can redeem your Rewards in a number of ways:

  • gift cards to use while on vacation
  • travel expenses
  • pay for sports equipment, like golf clubs and tennis rackets
  • pay for appliances and and home furnishings
  • treat yourself to some unique experiences like hot air balloon rides or white-water rafting.

The Costs & Fees

Annual Fee Intro APR for Purchases and Balance Transfers Regular APR Regular Balance Transfer APR Cash Advance APR Foreign Transaction Fee
$0 None for None 17.24%, 22.24%, or 27.24% Variable 17.24%, 22.24%, or 27.24% Variable 27.49% Variable None
Penalty APR Late Fee Returned Payment Fee
None Up to $39 Up to $39

The Bottom Line

If you already vacation with RCI, the RCI® Elite Rewards® MasterCard has the potential to save you a small chunk of cash with every stay, eventually adding up to a nice discount. Just be sure to cash in your rewards to pay for expenses.

But, keep in mind that other general use rewards cards might be equally rewarding, if not even more so. The Citi Double Cash card, for example, gives you 2% cash back on every single purchase you make. So take some time to shop around and check out your options before making a decision.

How do you like your RCI Elite Rewards MasterCard? Does it save you money and make your vacations more convenient? Click here to leave your own review for other visitors, we’d love to hear from you!

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