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REI Co-op® Mastercard® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
16.99% ‐ 27.99% (Variable)
Interest Rate: Purchases
16.99% ‐ 27.99% (Variable)
Balance Transfer
16.99% ‐ 27.99% (Variable)
Balance Transfer
16.99% ‐ 27.99% (Variable)
1.5% cashback
1.5% cashback
Signup Bonus
Signup Bonus

Informr score
The REI Co-op® Mastercard® currently has an Informr score of 7.1 out of 10. This score is based on our evaluation of 6 sources including reviews from users and the web's most trusted critics.

Am I eligible?

REI Co-op® 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...


I love REI. I want all of the Patagonia down jackets, Merrell hiking boots, and brightly colored dog treats and toys. So when I found out REI had a credit card designed uniquely for fans like myself, I couldn’t help but bite. I’ve had this credit card for a few years now, and it certainly has a lot...

- Kate Van Pelt, MoneyUnder30

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,


Interest Rates
Regular APR Interest Rate 16.99% ‐ 27.99% (Variable)

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

Balance Transfer Interest Rate 16.99% ‐ 27.99% (Variable)

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

Cash Advance Interest Rate 27.99% (Variable)

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

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%
Cash Advance Fee 4%

Minimum of $10

Foreign Transaction Fee 0%
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 1.5% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
  • 5% cash back at REI
  • Double card rewards during REI annual event
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards Yes
Additional Benefits
  • $50 annual credit toward REI Co-op Experiences
  • 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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