Capital Vacations® World Mastercard®
5X rewards on Capital Vacations with $0 annual fee and a $250 resort certificate
Earn 5X Rewards on all Capital Vacations purchases and 2X on travel, gas, EV charging, and RCI with no annual fee. Spend $10,000 annually to earn a 3-night resort stay certificate worth approximately $250. Finance timeshare down payments at 0% APR for 6 months and transfer balances at 0% for 15 months.
- Annual Fee
- $0
- points · Welcome Bonus
- 5,000
- Highest rate (conditional)
- Up to 5X (Capital Vacations)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World
- Rewards Currency
- Capital Vacations Rewards
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: 5,000 points
Earning Rates
- 5X
Capital Vacations
Earn 5X Rewards for every $1 spent on all eligible Capital Vacations purchases, including maintenance fees, exchange fees, and Lifestyles+.
- 2X
Travel
Earn 2X Rewards for every $1 spent on eligible travel purchases.
- 2X
Gas Stations
Earn 2X Rewards for every $1 spent on eligible RCI, travel, gas and EV charging purchases.
- 2X
Electric Vehicle Charging
Earn 2X Rewards for every $1 spent on eligible RCI, travel, gas and EV charging purchases. (EV charging row: same tier as gas, per the issuer's wording)
- 2X
Rci
Earn 2X Rewards for every $1 spent on all eligible RCI purchases.
- 1X
All Other
Earn 1X Rewards for every $1 spent on all other eligible purchases.
Earning Scenarios
5X on Capital Vacations
A Capital Vacations owner paying $5,000/year in maintenance fees earns 25,000 Rewards, redeemable for cash back, statement credits, travel, gift cards or merchandise.
2X on Travel, Gas & RCI
Spending $300/month on gas and travel earns 7,200 Rewards annually — a solid bonus on everyday spending.
1X on Everything Else
All other eligible purchases earn 1X Rewards, keeping your points growing on everyday spending.
Benefits & Perks
Insurance & Protections
1 protections$0 fraud liability on unauthorized charges
You're not responsible for unauthorized charges you report to Barclays.
Reviews & Analysis
Third-Party Rankings & Ratings
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| WalletHub | 3.1/5 |
How It Compares
The Capital Vacations World Mastercard is a niche co-branded card for Capital Vacations timeshare owners. With 5X on CV purchases, 2X on travel/gas, and a $250 resort certificate at $10K spend — all with no annual fee — it delivers solid value if you're already in the Capital Vacations ecosystem.
The Math: Is $0 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 19.49%–29.74% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Third-Party Articles & Reviews
Best New Credit Cards of 2025
Features Capital Vacations World Mastercard as 'Best for Travel' among new cards. Highlights 5X on CV purchases and promotional APR on timeshare down payments.
Capital Vacations Credit Card Reviews (2026)
Capital Vacations Unveils the Capital Vacations® World Mastercard®
Official press release announcing the card launch in partnership with RCI and Barclays. Details full rewards structure and promotional APR on timeshare down payments.
Barclays and RCI Renew Long-Standing Credit Card Agreement
Barclays and RCI partnership renewal extending co-branded credit card program. Confirms Capital Vacations World Mastercard alongside RCI Elite Rewards card.
How to Apply Capital Vacations World Mastercard
Application guide covering benefits, requirements, pros/cons analysis, fees, and step-by-step application instructions.
Capital Vacations Credit Card Guide
Personal narrative-style article covering 5,000 bonus welcome offer, 5X rewards on CV purchases, 2X on travel, and flexible redemption options.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Barclays | — | Barclays |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Barclays | Barclays: Multiple card facts | |
| Barclays | Barclays: Multiple card facts | |
| Barclays | Barclays |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
