The RCI® Elite Rewards® World Mastercard®, issued by Barclays, is designed for frequent travelers and members of RCI, the largest timeshare vacation exchange network in the world. This credit card offers a range of benefits that are particularly appealing to those who enjoy vacationing and want to make the most of their RCI membership.

Key Features and Benefits

Reward Points

• Sign-Up Bonus: New cardholders can earn a substantial initial bonus of reward points after making qualifying purchases within the first 90 days of account opening. This bonus can vary, so it’s advisable to check the latest offer.
• Earning Points: Cardholders earn points on everyday purchases, with higher points per dollar spent on RCI products and services. Additionally, spending in common categories like gas stations, grocery stores, and utility payments often yields additional points.
• Redemption Options: Points can be redeemed for RCI member fees, resort maintenance fees, travel expenses like flights and car rentals, and various other travel-related services, providing flexibility and value to travelers.

Travel Benefits

• No Foreign Transaction Fees: Making purchases abroad won’t incur additional fees, which is ideal for international travelers.
• Mastercard World Benefits: Includes perks such as travel insurance, rental car insurance, and extended warranty services, enhancing your travel and purchase experiences.

Additional Perks

• Special RCI Member Offers: Exclusive deals and offers available only to cardholders, which may include discounts on resorts and special vacation packages.
• Automatic Upgrade to RCI Platinum Membership: Subject to the cardholder meeting certain criteria, which can offer higher tier rewards including priority access to vacation exchanges and discounts on vacation services.

Interest Rates and Fees

• Annual Fee: There is an annual fee, which is relatively modest in comparison to the benefits provided. Check the current fee before applying.
• APRs: Competitive interest rates for purchases, balance transfers, and cash advances. The specific rates depend on the creditworthiness of the applicant.

How to Apply for the RCI® Elite Rewards® World Mastercard®

Eligibility Requirements

To apply for the RCI® Elite Rewards® World Mastercard®, you should meet the following criteria:

• Age: You must be at least 18 years old, or the minimum age required by your state of residence.
• Credit Score: A good to excellent credit score is typically required, reflecting your likelihood to manage credit responsibly.
• RCI Membership: While not always mandatory, being a member of RCI may be beneficial or required based on the specific card terms.

Application Process

1. Visit the Barclays Official Website: The first step is to go to the official Barclays website dedicated to the RCI® Elite Rewards® World Mastercard®. Here, you can find the most current details about the card’s benefits, fees, and any special promotions.
2. Review Terms: Before applying, thoroughly review the terms and conditions. Pay special attention to the fee structure, interest rates, and reward point rules.
3. Prepare Necessary Information: You will need to provide personal information, such as your full name, address, Social Security Number, annual income, and RCI membership details if applicable.
4. Submit Application: Complete the online application form by entering all required information accurately. Submit the form once you have double-checked the information.
5. Wait for Approval: After submitting your application, there will be a processing period during which your creditworthiness and other factors are assessed. You will typically receive a response quickly, often instantly.

After Approval

Once approved, you will receive your RCI® Elite Rewards® World Mastercard® by mail. It is advisable to thoroughly read the accompanying paperwork, which includes important information about how to activate your card, set up online banking, and start making the most of your new credit benefits.

Conclusion

The RCI® Elite Rewards® World Mastercard® is a compelling option for RCI members and frequent travelers who want to earn rewards on their purchases and reduce the cost of their vacation expenses. With its robust rewards program, travel benefits, and flexible redemption options, this card can significantly enhance your travel experiences while providing valuable savings.

Before applying, ensure that you meet the eligibility requirements and understand all associated fees and benefits. Proper management of this credit card can offer not just financial benefits but also a more rewarding vacation experience through the RCI network.

This content should provide a comprehensive look at the RCI® Elite Rewards® World Mastercard®, focusing on its benefits, application process, and usage tips. If you have any more specific questions or need further details, feel free to ask!