RCI® Elite Rewards® World Mastercard®
5,000 Rewards welcome bonus. No annual fee.
- Welcome offer
- Issuer's pagecards.barclaycardus.com
“5,000 Bonus Rewards”
- Annual fee
- Issuer's pagecards.barclaycardus.com
“Annual Fee is $0.”
- Purchase APR
- Issuer's pagecards.barclaycardus.com
“Purchases – 19.49% to 29.74%, based on your creditworthiness and other factors.”
- Foreign transaction fee
- Issuer's pagecards.barclaycardus.com
“Foreign transaction fee: 0%.”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $170 | $120 |
| Typical spender | $370 | $320 |
| Heavy spender | $855 | $805 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 80% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
5,000 Rewards
Make your first purchase
The 5,000 Bonus Rewards are stated to be worth $50 in RCI Member Rewards.
How you earn · RCI Elite Rewards
- 5× pointsall eligible RCI purchases
- 2× pointsall eligible travel including rideshare, gas, and EV charging purchases
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagecards.barclaycardus.com “Annual Fee is $0.” |
|---|---|
| Purchase APR | Issuer's pagecards.barclaycardus.com “Purchases – 19.49% to 29.74%, based on your creditworthiness and other factors.” |
| Balance transfer APR | Issuer's pagecards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Issuer's pagecards.barclaycardus.com “Balance transfer fee: 5% (min.” |
| Cash advance APR | Issuer's pagecards.barclaycardus.com “The variable APR for cash advances is 29.99%.” |
| Cash advance fee | Issuer's pagecards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer's pagecards.barclaycardus.com “Foreign transaction fee: 0%.” |
| Minimum interest charge | Issuer's pagecards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- RCI Vacation Credit: $250 annual
- Get 5% Rewards back every time you redeem, as a bonus to use toward your next redemption.
- No foreign transaction fees on international purchases.
- $0 Fraud Liability protection for unauthorized charges reported to Barclays.
- No annual fee.
- 0% introductory APR on eligible balance transfers for the first fifteen billing cycles following each balance transfer that posts within 45 days of account opening.
Questions
- What is the annual fee?
- $0 cards.barclaycardus.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. cards.barclaycardus.com, since Sep 29, 2026
- What is the purchase APR?
- 19.49–29.74% APR cards.barclaycardus.com, since Oct 1, 2026
- Is there a welcome bonus?
- 5,000 Rewards. cards.barclaycardus.com, since Sep 29, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$580 a year
- GM Rewards MastercardBarclays · No annual fee+$580 a year
- CareCredit MastercardSynchrony · No annual fee+$390 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).