RCI® Elite Rewards® Mastercard®
- Annual Fee
- $0
- points · Welcome Bonus
- 5,000
- Highest rate (conditional)
- Up to 5X (Rci)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World
- Rewards Currency
- RCI Elite
- Credit Required
- Excellent
Welcome Offer
Bonus: 5,000 points
Earning Rates
- 5X
Rci
Earn 5X Rewards for every $1 spent on all eligible RCI purchases.
- 2X
Travel
Earn 2X Rewards for every $1 spent on all eligible travel purchases, including rideshare, gas, and EV charging.
Benefits & Perks
Annual Credits & Statement Credits
1 creditsUp to
$250
in recurring credits (annual) · Plus $250 first-year / eligibility-dependent
$250 vacation credit
Earn a $250 USD Vacation Credit toward one RCI vacation when you spend $10,000 in net purchases each calendar year.
$250
Annual
Insurance & Protections
1 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Reviews & Analysis
The Math: Is $0 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$300
Annual Fee
-$0
Net Annual Value
+$150
Details & Terms
Payment Terms
| Purchase APR | 19.49%–29.74% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Barclays | Barclays: Multiple card facts | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: 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.
