Card details · Barclays
RCI Elite Rewards World Mastercard review: fees, rewards and APR
The RCI® Elite Rewards® World Mastercard® is a credit card from Barclays with a $0 annual fee. By our overall score it ranks #196 of the 294 credit cards we rank (store-only cards excluded), and #21 of 23 Barclays cards. It is listed in our travel and gas rankings.
Key facts
- Issuer
- Barclays
- Network
- Mastercard
- Annual fee
- $0
- Welcome offer
- Earn 5,000 Bonus Rewards after making your first purchase - worth $50 in RCI Member Rewards.
- Intro APR
- balance transfers 15 months
- Ongoing APR
- 19.24%-29.49%
- Balance transfer fee
- 5% (min. $5)
- Foreign transaction fee
- None
- Our overall score
- 40 (#196 of 294 cards)
Rewards
- 5X Rewards for every $1 spent on all eligible RCI purchases
- 2X Rewards for every $1 spent on all eligible travel including rideshare, gas, and EV charging purchases
- 1X Rewards for every $1 spent on all other purchases
Benefits and notes
Get 5% Rewards back every time you redeem, as a bonus to use toward your next redemption; Earn a $250 USD Vacation Credit after spending $10,000 in net purchases each calendar year
Intro APR and balance transfers
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post to your account within 45 days of account opening) your APR will be 19.24% to 29.49%
Balance transfer fee: 5% (min. $5)
Ongoing APR: 19.24%-29.49%
Where it ranks
- Overall: #196 of 294 cards (score 40)
- Barclays credit cards: #21 of 23
- Travel cards: #25 of 47 by our travel score
- Gas cards: #37 of 43 by our gas score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Barclays’s own site) as of October 21, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the RCI Elite Rewards World Mastercard?
$0, as stored in our database. Confirm the current fee on Barclays’s site.
Does the RCI Elite Rewards World Mastercard have a welcome bonus?
Our database lists this offer: Earn 5,000 Bonus Rewards after making your first purchase - worth $50 in RCI Member Rewards. Offers change often and terms apply.
Does the RCI Elite Rewards World Mastercard have a 0% intro APR?
Our database lists: 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post to your account within 45 days of account opening) your APR will be 19.24% to 29.49% Terms apply.
Does the RCI Elite Rewards World Mastercard charge foreign transaction fees?
Our database lists no foreign transaction fee for this card.
How does the RCI Elite Rewards World Mastercard rank on YourBestCards?
#196 of 294 cards by our overall score (40). In our category lists: #25 of 47 travel cards; #37 of 43 gas cards.
Other top Barclays cards
- 6X points on eligible JetBlue purchases
- 2X points at restaurants and eligible grocery stores
- 1X points on all other purchases
- Annual fee
- $99
- Welcome offer
- Earn 70,000 bonus points after spending $1,000 on purchases and paying the annual fee in full, both within the first 90 days.
- Intro APR
- balance transfers 12 months
- 8X on eligible purchases made at Hotels by Wyndham, including hotels through Wyndham Travel Bundles
- 4X on eligible Vacation Club, travel, dining and grocery store purchases (excluding Target® and Walmart®)
- 1X points on other purchases
- Annual fee
- $395
- Welcome offer
- Earn up to 120,000 bonus points - Earn 90,000 bonus points after spending $6,000 on qualifying purchases and paying the annual fee in full, both within the first 120 days, and also earn 30,000 bonus points after spending $750 at Hotels by Wyndham in the first 180 days.
- Intro APR
- purchases 6 months · balance transfers 15 months
- 6X points on eligible JetBlue purchases
- 2X points at restaurants and eligible grocery stores
- 1X points on all other purchases
- Annual fee
- $499
- Welcome offer
- Earn 90,000 bonus points after spending $5,000 on purchases and paying the annual fee in full, both within the first 90 days.
- Intro APR
- balance transfers 12 months
- 15X miles on eligible purchases at flyfrontier.com
- 3X miles on eligible restaurant purchases
- 1X miles on all other purchases
- Annual fee
- $99
- Welcome offer
- Earn 60,000 Travel Miles after making your first purchase and paying the annual fee in full, both within the first 90 days.
- Intro APR
- balance transfers 15 months
- 3X miles on eligible Hawaiian Airlines and Alaska Airlines purchases
- 2X miles on gas, dining and grocery store purchases
- 1X miles on all other purchases
- Annual fee
- $99
- Welcome offer
- Earn 80,000 Atmos Rewards points after spending $2,500 on purchases in the first 90 days.
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.