Barclays
RCI Elite Rewards World Mastercard
Estimated value every year on typical spending
$278/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Barclays RCI Elite Rewards World Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $278 a year on typical spending.
The fine print
- Intro APR
- 0% for the first 45 days
- Regular APR
- 19.49% to 29.74% variable
- Foreign fee
- None
- Top perk
- $250 USD Vacation Credit after $10,000 spend in net purchases each calendar year
- Approval
- Excellent credit recommended
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- 5X Rewards per $1 on all eligible RCI purchases
- 2X Rewards on eligible travel purchases
- 1X Rewards on all other purchases
Sign-up bonus
5,000 Bonus Rewards after making your first purchase
Best for
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- People who want plain cash back
- Thin or new credit files
Trade-offs: Better travel value ↔ less straightforward than cash back; Top-tier earning ↔ harder to qualify for; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 45 days
- Regular APR
- 19.49% to 29.74% variable
- Balance transfer fee
- Either $5 or 5% of the amount of each transfer, whichever is greater.
- $300/mo on travel earns about $58/year (1.6x).
- $1200/mo on everyday spending earns about $115/year (0.8x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
RCI Elite Rewards World Mastercard: questions people ask
Is the Barclays RCI Elite Rewards World Mastercard worth it?
With no annual fee, the Barclays RCI Elite Rewards World Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $278 a year on typical spending.
What is the Barclays RCI Elite Rewards World Mastercard annual fee?
The Barclays RCI Elite Rewards World Mastercard has no annual fee ($0).
What is the Barclays RCI Elite Rewards World Mastercard welcome bonus?
5,000 Bonus Rewards after making your first purchase. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Barclays RCI Elite Rewards World Mastercard earn?
5X Rewards per $1 on all eligible RCI purchases. 2X Rewards on eligible travel purchases. 1X Rewards on all other purchases.
What credit score do you need for the Barclays RCI Elite Rewards World Mastercard?
The issuer doesn't say; we'd class it as: excellent credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Barclays RCI Elite Rewards World Mastercard charge foreign transaction fees?
No. The Barclays RCI Elite Rewards World Mastercard has no foreign transaction fee.
Does the Barclays RCI Elite Rewards World Mastercard have a 0% intro APR?
0% for the first 45 days. After that the regular APR is 19.49% to 29.74% variable.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Barclays product page. Terms change often; confirm them with the issuer before you apply.