rewardopedia
Card reviewBarclays
Updated Jul 23, 2026 · research
Capital Vacations® World Mastercard®
BarclaysCapital Vacations Rewards

Capital Vacations® World Mastercard®

Earn rewards on your vacation and travel purchases with no annual fee and a 3-night resort stay certificate after meeting spending goals.

Mid TierPersonal
Mastercard
$0
Annual fee
5x pts capital vacations
Top rate
None
Foreign fee
N/A
Rating

Current Welcome Offer

Earn 5,000 points

Verifiedlanding page
Apply NowCompare This CardBrowse all cards

Card Offers

public

Earn 5,000 points

Verified
landing page

Earning Rates

Capital Vacations
5xpoints

Includes maintenance fees, exchange fees, and Lifestyles+

RCI, travel, gas and EV charging
2xpoints

Eligible RCI, travel, gas and EV charging purchases

All other purchases
1xpoints

All other eligible purchases

Pros & Cons

Pros

  • No annual fee
  • 5X Rewards on Capital Vacations purchases
  • 0% intro APR on balance transfers for 15 billing cycles
  • No foreign transaction fees
  • 5% bonus on every Rewards redemption

Cons

  • High ongoing APR of 19.24% to 29.49%
  • 5% balance transfer fee (min $5)
  • $10,000 spend required for resort certificate
  • Rewards optimized for Capital Vacations users
  • Intro purchase APR limited to specific down payments

Key Takeaways

  • Earn up to 5X Rewards on Capital Vacations purchases with 1X base on everything else
  • 5,000 Bonus Rewards after first purchase and 5% back on redemptions
  • No annual or foreign transaction fees
  • 0% intro APR on balance transfers within 45 days for 15 billing cycles
  • 3-night resort certificate after $10,000 annual spend

Fees

Fee TypeAmount
Annual Fee$0
Foreign Transaction Fee0%

APR Information

Purchase APR
19.24% - 29.49%
Balance Transfer APR
19.24% - 29.49%0% intro APR for 15 months
Cash Advance APR
29.74%

APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.

Card Benefits

4 benefits including 1 hidden gems

Travel Credits

Lifestyle Benefits

Other Insurance

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

Hidden Gems

3-Night Capital Vacations Resort Stay Certificate

Earn this $250 value certificate after $10,000 in annual net purchases. It rewards high spenders with free resort nights.

5% Rewards-Back Redemption Bonus

Get 5% of redeemed Rewards back automatically on every redemption. This encourages frequent use and boosts effective value.

Frequently Asked Questions

What is the annual fee for the Capital Vacations World Mastercard?
There is no annual fee for this card. The fee is waived indefinitely.
What are the rewards earning rates?
Earn 5X Rewards on eligible Capital Vacations purchases including maintenance fees, exchange fees, and Lifestyles+. Earn 2X Rewards on eligible RCI, travel, gas, and EV charging purchases, and 1X Rewards on all other eligible purchases.
How do I earn the welcome bonus?
Cardholders earn 5,000 Bonus Rewards after making their first purchase. This is a public offer listed on the product page.
Are there foreign transaction fees?
No, there are no foreign transaction fees on international purchases.
How can I earn the 3-night resort stay certificate?
Earn a 3-night Capital Vacations Resort Stay Certificate after spending $10,000 in net purchases each calendar year. The certificate has an approximate retail value of $250.
What is the rewards redemption bonus?
Every time you redeem Rewards, you get 5% of the redeemed amount back as a bonus for your next redemption. This applies to all redemption types including cash back, statement credits, travel, gift cards, merchandise, and charitable donations.
What fraud protection does the card offer?
Cardholders have $0 fraud liability protection and are not responsible for unauthorized charges, provided they report to Barclays.

About This Card

This card suits Capital Vacations members who spend heavily on vacation-related purchases, RCI, travel, gas, or EV charging. It fits those seeking no annual fee with balance transfer relief and redemption incentives.

The Capital Vacations® World Mastercard® lets you earn up to 5X rewards on eligible purchases, features a $0 annual fee, and offers a 3-night resort stay certificate after spending $10,000 in a calendar year. Enjoy 0% intro APR on balance transfers and promotional financing on down payment purchases.

It stands out with a 5% redemption bonus on every use and high 5X earning on Capital Vacations purchases among no-annual-fee travel cards.

Ready to Decide?

Apply for the Capital Vacations® World Mastercard®

Earn 5,000 points with no annual fee.

Apply NowCompare Cards
Rewards program

Capital Vacations Rewards

Earns Points

Card Categories

TravelCo-brandedNo Annual FeeNo Foreign Transaction Fee

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them with automated checks.

Last updated:

How it's checked

Analyzed by the Rewardopedia Engine.

Data Quality
  • 4 of 4 benefits rated high confidence
  • 4 source citations across benefits
  • 1 of 1 offer verified
Learn More

Read our full methodology for how we collect, verify, and rate credit cards.

Found an error? Report it here.