RCI Elite Rewards® MasterCard®

Image of the RCI Elite Rewards® MasterCard®
  • 2X rewards

    on all eligible RCI purchases2

  • 1X rewards

    for every $1 you spend on qualified purchases elsewhere2

  • 2,500 bonus rewards

    after your first purchase2

  • $0

    annual fee1


  • Earn 2,500 bonus rewards

    after your first purchase2
  • Earn 2X rewards

    on every $1 you spend on eligible RCI purchases2
  • Earn 1X rewards

    for every $1 you spend on qualified purchases elsewhere┬▓
  • Use rewards for worldwide travel

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

    good for onsite activites and other expenses
  • Redeem for RCI Member Rewards® credits

    Use toward exchange fees and RCI subscribing membership renewals


  • 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 responsbile for unauthorized charges you report to us

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.

  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 Barclaycard pursuant to a license by MasterCard International Incorporated. MasterCard and World MasterCard are registered trademarks of MasterCard International Incorporated.