The REI Co-op Mastercard is built for regular REI shoppers who want a simple way to earn more back on outdoor gear without paying an annual fee. It works best as a store-focused card with a decent everyday rate, not as a premium travel or perks card.
All information about REI Co-op® Mastercard® has been collected independently by MaxRewards. REI Co-op® Mastercard® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
REI gear purchases
Outdoor hobby spending
No-fee everyday use
This card is worth a look if REI is one of your go-to retailers and you want to boost your return there while still getting a solid 1.5% back on everything else. With no annual fee, there is little downside to keeping it for REI purchases, especially if you already spend meaningfully on camping, cycling, hiking, or other outdoor gear.
For most readers, the main question is how much you value the 5% back at REI. If that store-specific rate lines up with your shopping habits, the card makes sense. If you only shop at REI a few times a year, the appeal drops quickly, since the rest of the card is fairly basic and its extra benefits are limited.
A good fit for loyal REI shoppers who want strong store rewards and a simple no-annual-fee card. If REI is only an occasional stop, you will likely get more overall value from a broader rewards card.
Earning
This card keeps rewards straightforward: elevated cash back at REI and a flat 1.5% back everywhere else. The key is whether your REI spending is frequent enough to make the store bonus meaningful, because the everyday earning rate is solid but not distinctive on its own.
REI
Everywhere
Benefits
REI Cooperative Action Fund
Connecting people to the outdoors is an important feature of your REI Co-op Mastercard. The REI Co-op Mastercard program proudly donates $2M a year to the REI Cooperative Action Fund.
World Elite Mastercard® Benefits
Cardmembers receive World Elite discounts on food delivery and more.
Eligibility
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Purchase APR
17.49% - 28.49%
Variable
Transfer APR
17.49% - 28.49%
Variable
Cash Advance APR
28.49%
Variable
Foreign Transaction Fee
None
Balance Transfer
None
Cash Advance
$5
Late Payment
$40
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn more than $1,000 in Travel Bonuses with a limited-time $300 Capital One Travel stays credit, plus earn 75,000 bonus miles
Worth $75,300
Once you spend $4,000 on purchases within the first 3 months of account opening—that's more than $1,000 in travel value
Annual Fee
$95
Rec. Credit
Good
Earn 150,000 Miles
Worth $2,175
Once you spend $30,000 in the first 3 months from account opening
Annual Fee
$395
Rec. Credit
Excellent
Earn $2,000 Cash Back
Once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
Annual Fee
$150
Rec. Credit
Excellent
