REI Co-op World Mastercard® review

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Advertiser Disclosure

Interest Rate: Purchases
11.49% ‐ 23.49% (Variable)
Balance Transfer
11.49% ‐ 23.49% (Variable)
1% cashback
Signup Bonus

Informr score
The REI Co-op World Mastercard® currently has an Informr score of 7.1 out of 10. This score is based on our evaluation of 3 sources including reviews from users and the web's most trusted critics.

Am I eligible?

REI Co-op World Mastercard® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


If you don’t shop at REI often, another card is probably a better bet. If you are a heavy REI shopper and spend a good chunk of change there, this could be a great addition to your wallet.

- T.L. Rob, RewardExpert

While admittedly less-than-appealing when it comes to everyday use, the credit card offers handsome rewards on REI purchases, has no annual fee and features an easy-to-earn sign-up bonus.

- Kelli Bamforth,

While the bonuses on this card are great for REI purchases, there are other cash-back rewards cards that have better rates on grocery, gas and other types of purchases.

- J.R. Duren, HighYa


Interest Rates
Regular APR Interest Rate 11.49% ‐ 23.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 11.49% ‐ 23.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 23.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 4%

Minimum of $5

Foreign Transaction Fee 2%

Of each transaction in U.S. dollars.


Of each transaction in foreign currencies.

Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus

Get a $100 REI gift card upon approval and first purchase within 60 days.

All Purchases 1% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

5% cash back at REI

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service No
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits

- Priceless Golf

- Access to a personal travel advisor

- Access to Luxury Hotels & Resorts program

- Emergency Card Replacement

- Trip Cancellation Service

- Travel Assistance Services

- Lost Luggage Coverage

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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