| Category | Rate | Type | Cap |
|---|---|---|---|
|
RCI Purchases
Earn 5X Rewards on qualifying RCI purchases including Subscribing Membership renewal fees, exchange fees, RCI Guest Certificates, Extra Vacations, and Last Call vacations.
|
5x | Points | No cap |
|
Travel
Earn 2X Rewards on eligible travel purchases including airline tickets, hotel stays, and car rentals.
|
2x | Points | No cap |
|
All Other Purchases
Earn 1X Reward for every $1 spent on all other eligible net purchases made with the card.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
$250 Annual RCI Vacation Credit
Earn a $250 Vacation Credit toward one RCI vacation after spending $10,000 in net purchases each calendar year (January 1–December 31); credit is not valid on RCI.com and must be redeemed through a specific channel with limited vacation availability.
|
Credits |
$250 vacation credit
Up to $250
|
|
0% Introductory APR on Balance Transfers
Cardholders receive a 0% introductory APR on balance transfers for the first 15 billing cycles on transfers made within 45 days of account opening; a balance transfer fee of 3% (minimum $5) applies.
|
Financial | 0% for 15 billing cycles |
|
No Annual Fee
There is no annual fee to carry the RCI Elite Rewards Mastercard, making it a cost-free card for RCI members year-round.
|
Financial |
$0 annual fee
Up to $0
|
|
No Foreign Transaction Fees
The card charges no foreign transaction fees on purchases made outside the United States, making it suitable for international travel and foreign-currency purchases.
|
Financial | 0% foreign transaction fee |
|
Auto Rental Collision Damage Waiver
Provides secondary coverage for physical damage, theft, reasonable towing charges, and loss-of-use fees on most rental vehicles when the cardholder declines the rental company's collision damage waiver and charges the full rental to the card; covers rentals up to 31 consecutive days for vehicles with an MSRP up to $50,000.
|
Insurance | Secondary coverage up to vehicle's actual cash value |
|
Extended Warranty Protection
Extends the original U.S. manufacturer's warranty on eligible purchases made with the card; terms, conditions, and exclusions apply.
|
Insurance | Complimentary |
|
Purchase Security (Purchase Protection)
Covers eligible new purchases made with the card against theft or damage for a specified period following the date of purchase; terms, conditions, and exclusions apply.
|
Insurance | Complimentary |
|
Free FICO® Credit Score Access
Complimentary online access to the cardholder's FICO Credit Score through the Barclays online account portal, with alerts when Barclays learns the score has changed; score access requires the account to be open and active and may be removed at any time at Barclays' discretion.
|
Other | Complimentary |
|
1X Rewards on All Other Purchases
Earn 1 Reward point per $1 spent on all other eligible net purchases made with the card.
|
Rewards | 1x point per $1 |
|
2X Rewards on Travel Purchases
Earn 2 Rewards points per $1 spent on eligible travel purchases including airlines, hotels, and car rentals.
|
Rewards | 2x points per $1 |
|
5% Redemption Bonus
Earn 5% of your redeemed Rewards back as a bonus toward your next redemption every time you redeem points, effectively boosting the value of each redemption.
|
Rewards | 5% bonus on every redemption |
|
5X Rewards on RCI Purchases
Earn 5 Rewards points per $1 spent on qualifying RCI purchases including Subscribing Membership renewal fees, exchange fees, RCI Guest Certificates, Extra Vacations, and Last Call vacations.
|
Rewards | 5x points per $1 |
|
Welcome Bonus — 2,500 Bonus Rewards
Earn 2,500 Bonus Rewards (worth $25 in RCI Member Rewards) after making your first purchase with the card.
|
Rewards |
2,500 points ($25 value)
Up to $25
|
|
$0 Fraud Liability Protection
Cardholders are not responsible for unauthorized charges made on their account when reported promptly; Barclays provides $0 fraud liability on all unauthorized transactions.
|
Security | Complimentary |
|
Mastercard Global Service™
24/7 worldwide assistance for lost or stolen card reporting, emergency card replacement, and emergency cash advance; Mastercard will attempt to notify Barclays within five minutes of a lost/stolen report and can typically provide an emergency cash advance within one hour.
|
Security | Complimentary |
|
Mastercard ID Theft Protection™
24/7 access to identity theft resolution services through Mastercard's ID Theft Protection program powered by Iris® by Generali; cardholders must register for this service. Certain terms, conditions, and exclusions apply.
|
Security | Complimentary (registration required) |
|
Baggage Delay Insurance
Reimburses the cardholder, spouse, and dependents up to $100 per day for up to 3 days for emergency purchases of essential items (toiletries, clothing, device chargers) when checked baggage is delayed or misdirected by a common carrier for more than 4 hours.
|
Travel |
Up to $100/day for 3 days
Up to $300
|
|
Mastercard Airport Concierge™
15% savings on Airport Meet and Greet services worldwide through the Mastercard Airport Concierge program; a personal assistant is available to escort cardholders through the airport 24/7. Cardholders are responsible for applicable service fees.
|
Travel | 15% discount on airport concierge services |
|
Travel Accident Insurance
Provides accidental death and dismemberment coverage when the full cost of the common carrier fare is charged to the card; covers the cardholder, spouse or domestic partner, and dependent children.
|
Travel | Complimentary |
|
Travel Assistance Services
24/7 multilingual assistance available when traveling 100 or more miles from home, including emergency transportation assistance, medical and legal referral services, lost luggage assistance, and pre-trip destination information; cardholders are responsible for the cost of services arranged.
|
Travel | Complimentary |
|
Trip Cancellation and Interruption Coverage
Reimburses non-refundable, forfeited travel payments and deposits if a covered trip is cancelled or interrupted due to a covered reason such as illness or severe weather; the full cost of the ticket must be charged to the card.
|
Travel | Complimentary |
