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REI Co-op World Mastercard® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
14.74% ‐ 24.74% (Variable)
Interest Rate: Purchases
14.74% ‐ 24.74% (Variable)
Balance Transfer
14.74% ‐ 24.74% (Variable)
Balance Transfer
14.74% ‐ 24.74% (Variable)
1% cashback
1% cashback
Signup Bonus
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 5 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...


Like many of the quality store cards on the market, the REI Co-op World Elite Mastercard® can prove useful for frequent shoppers of the brand who plan to turn their rewards into further REI purchases.

- Steven Dashiell, Finder

I’m not always the biggest fan of co-branded retail credit cards. But in this case, I really do like the REI credit card. It offers a great way to save more at REI when those dividends roll around and has some other interesting perks to it as well. I think it is a fantastic card to pair with an Amer...

- Daniel Gillaspia, UponArriving

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 14.74% ‐ 24.74% (Variable)

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

Balance Transfer Interest Rate 14.74% ‐ 24.74% (Variable)

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

Cash Advance Interest Rate 26.74% (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 5%

Minimum of $10

Foreign Transaction Fee 0%
Over Limit Fee $0.00
Late Payment Fee $41.00


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 on mobile wallet purchases
  • 5% cash back at REI

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection Yes
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits
  • Trip Cancellation Insurance
  • ID Theft Resolution Services
  • Take 3 rides in one calendar month, get a $5 Lyft credit
  • Get 5% back to use on future orders from HelloFresh
  • ShopRunner Complimentary Membership
  • Get a $5 Fandango Reward when you spend $20
  • Try DashPass for free and get $5 off your first 2 orders each month
  • LoungeKey Airport Lounge Membership
  • Travel & Lifestyle Services
  • Mastercard ID Theft Protection
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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