RCI® Elite Rewards® World Mastercard®

If you actively use RCI, this card has a clear lane. The 5% back on RCI purchases is the main reason to carry it, and the extra rewards back after redemption adds a little more value for members who redeem regularly. The $250 vacation credit can also matter, but only if you put $10,000 a year on the card and would use that spend here anyway.

For most readers, the appeal stops there. Outside of RCI spending, 2% on travel and 1% everywhere else are easy to beat with simpler cards that offer stronger everyday rewards or broader travel value. This card makes sense as a niche companion for loyal RCI users, not as a go-to card for general spending.