The RCI Elite Rewards Mastercard currently has an offer where you can get 2,500 bonus rewards when making your first purchase. These bonus reward points are valued to be at around $25.
RCI is a vacation exchange network that affords timeshare owners the opportunity to exchange, rent and otherwise optimize their timeshare vacations. Get started with RCI Elite Rewards Mastercard and earn 5x rewards for RCI spending, 2x points on eligible travel purchases, 1x points on everything else. In addition, you will also earn a 5% rewards rebate every time you redeem.
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RCI Elite Rewards Mastercard Summary
| Bonus Available | Get 2,500 Bonus Points after making your first purchase. |
| Bonus Value | $25 |
| Travel Credit | Receive a $250 vacation credit towards one RCI vacation when you spend $10,000 in purchases each calendar year. |
| Ongoing Rewards/Benefits | 5x rewards for every $1 spent on eligible RCI purchases
2x rewards for every $1 spent on eligible travel purchases 1x rewards for every $1 spent on all other purchases Get 5% rewards back every time you redeem |
| Foreign Transaction Fees? | No |
| Annual Fee | $0 |
Recommended Free Credit Score (Get Free Score) 690 – 850 (Good – Excellent)
PROS
- No Annual Fee
- Annual Spend Bonus
- Redemption rebate
- No foreign transaction fees
CONS
- Small welcome bonus
- Good – Excellent credit needed to qualify
Editor’s Alternate Pick
 The Capital One Spark Miles for Business offers a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening. Your miles won't expire for the life of the account, and there are no categories to limit where or what you buy and you can earn 2 miles per $1 on every purchase. And 5X miles on hotel and rental car bookings through Capital One TravelSM using a Spark Miles card There is an annual fee of $95, however, there is a $0 intro annual fee for the first year. Enjoy no foreign transaction fees and fly on any airline, anytime, with no blackout dates or seat restrictions. |
RCI Elite Rewards Mastercard 2,500 Bonus Rewards
Take advantage of RCI Elite Rewards Mastercard offer of 2,500 bonus rewards. These rewards are valued to be at around $25. All you will need to do is make your first purchase with this card. Additionally, there is no spending limit or expiration for these points.
What are RCI Elite Rewards Worth?
Depending on the value of your rewards will depend on how you use them. These points are valued roughly at $.01 apiece, which is on par with the industry average.
When you are ready to redeem your points, you will be given a few options on how you would like to redeem them. These options include:
- RCI Member Rewards credits
- Cash back direct deposits and statement credits
- Travel booked through BarclaysUS.com, including flights, hotel stays and car rentals.
- Gift cards
- Merchandise
- Experiences
- Charitable donations
Every once in awhile, RCI will run redemption discounts, which consequently will boost the value of the points. It is encouraged to wait for these if you are in no rush to redeem your points.
RCI Elite Rewards Mastercard Top Features
You will be eligible for $250 vacation credit towards an RCI vacation when you charge at least $10,000 to your RCI Elite Mastercard in one calendar year. Here are some ideas on how to hit the spending requirement:
| • Plastiq - Using Plastiq allows you to pay for your personal expenses such as rent, tuition, mortgage, auto lease etc. Although they charge a 2.5% processing fee for using your credit card, this will contribute to the card bonus that you will receive. There is also a referral program that allows you to earn "Free-Free Dollars" that goes towards processing fees as well. |
| • Funding Checking Accounts - When it comes to funding a checking account, opening your initial deposit with a credit card is the usual way to go about it. However, if you want to have more opportunities, you should open a checking account that offers a sign-up bonus. This allows you to work towards bonuses from not one but two different sources instead. Banks like Chase, Huntington Bank, TD Bank and BBVA offers credit card funding, and for your opening deposit, you can often fund anywhere from $50-$1000 with a credit card, depending on the bank. |
| • Gift Card Purchases With Using a Credit Card - Another way to acquire the bonus is using your credit card to purchase gift cards. Buying a a gift card or an individual merchant card typically do not require a purchase fee and are used towards leisure, so gift cards are ideal. However, gift cards such as a Visa or American Express do incur purchase fees because they can be spent anywhere, but gift cards that are specifically for a certain online shopping site such as Amazon or eBay don't. |
| As for a Citi Credit Card, you should call customer service and ask them to lower your Cash Advance limit to $0 before making any purchases because Citi tends to read gift card purchases as a Cash Advance. Ideally, you should do this with any card just to be safe. Lastly, there is such thing as a discounted gift card which can be purchased on Raise or eBay. If you use a credit card often for everyday purchases, it can build your credit score that will contribute towards paying for things such as bills and taxes. |
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Receive a 5% rewards rebate every time you redeem to use towards your next redemption.
Make purchases abroad without having to worry about foreign transaction fees.
Bottom Line
The RCI Elite Rewards Mastercard is a good option for those who are timeshare owners and members of RCI, those who rent vacation space through RCI, and RCI property guests. You will also earn bonus rewards for RCI and travel spending as well as multiple options for redeeming them.
(Click here to sign up for RCI Elite Rewards Mastercard)
What’s The Competition?
Below are some of the top competitors to the RCI Elite Rewards Mastercard that you should consider.
 The Capital One VentureOne Rewards Card offers a one-time bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel. You'll earn 1.25X miles on every purchase, every day and pay no annual fee. This card comes with no annual fees and no foreign transaction fees which is a great choice as your go-to travel card! |
 The Hilton Honors American Express Business Card has a welcome offer of 130,000 Hilton Honors Bonus Points after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership. You'll earn 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply. In addition, you can enjoy complimentary Gold Status with your Hilton Honors Business Card & earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year. This card has a $95 annual fee. (See Rates & Fees) |
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