RCI

RCI is the world leader in timeshares and timeshare exchanges, with 6,000+ properties in over 110 countries around the world. Browse credit card offers from leading names in hotels, travel, and vacations by viewing offers from our partners below:

 

Advertiser Disclosure

  • Regular Purchase APR 15.74%, 19.99% or 24.99%, based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.74%, 19.99% or 24.99%, based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 5X Rewards for every $1 spent on all eligible RCI purchases
  • 2X Rewards for every $1 spent on all eligible travel purchases
  • Redeem rewards for RCI Member Rewards credit, cash back, or travel
  • Get 5% Rewards back every time you redeem points
Rates & Fees
  • Regular Purchase APR: 15.74%, 19.99% or 24.99%, based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months on transfers made within 45 days from account opening date
  • Balance Transfer APR: 15.74%, 19.99% or 24.99%, based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR: 25.24% based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Annual Fee: None
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
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RCI Rewards 

RCI (previously known as Resort Condominiums International) is a global leader in timeshares and timeshare exchanges, with over 6,000 properties in over 110 countries around the world. RCI is a part of the Wyndham family of brands and prides itself on offering excellent customer service and providing its members with an unparalleled selection in the timeshare exchange market.

What is a Timeshare Exchange? 

A timeshare exchange is a process where multiple timeshare owners pool their timeshare properties together and exchange stays at other properties.

Timeshare exchanges work by charging a yearly fee for owners to join. Once they become members, a timeshare owner can deposit their weeks – or points – in their timeshare into the exchange program. Users then have the opportunity to browse thousands of available properties to find a timeshare at which they would like to stay. Perhaps, for example, a timeshare owner has a property in Aruba but would prefer to visit the mountains this year. They can opt to select a timeshare property in the Rockies instead of the white sands of the Caribbean.

Timeshare Fees   

Just because a member has two weeks in their timeshare does not mean that their weeks have the same monetary value as everyone else’s two weeks. The value of a member’s points or weeks will vary based on the quality of their timeshare property, the location of the property, the season where they have their weeks or points, and so forth.

When exchanging a timeshare, it is common for users to pay an exchange fee of up to $200 to compensate for the discrepancy in the property, as well as for the costs associated with any administrative tasks undertaken by the exchange (such as RCI).

The RCI Rewards Program 

How to Earn Rewards 

Earning points with the RCI Rewards program requires their members to own the RCI Elite Rewards Mastercard from Barclays.  Cardmembers earn five points per dollar spent on all purchases with RCI (including fees), two points per dollar spent on flights, hotels, and car rentals booked through BarclaysUS.com, and a single point for all other dollars spent on the card.

How to Redeem Rewards 

Redeeming points with RCI is almost as straightforward as earning them. Members can redeem their points for the following:

  • RCI Credits: Points are redeemable for members credits, exchange fees, and membership renewals.
  • Travel: Points are also applicable to flights, car rentals, and hotels booked through Barclays.
  • Cash Back: Points can also be used for cashback to help pay for RCI fees.

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Advertiser Disclosure: HotelCards is an independent credit card comparison platform. Many of the card offers that appear on this site are from companies from which HotelCards may receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). HotelCards does not include all card companies or all card offers available in the marketplace.