Am I eligible?
To get this card, you must also:
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...
- Robert Harrow, ValuePenguinThe REI Credit Card is a decent secondary credit card for those looking to score some discounts on REI and grocery purchases. However, because you only receive your rewards once per year and because most shopping categories earn just a 1% return, this is unlikely to become anybody’s go-to credit car...
- William Charles, Doctor Of CreditIt doesn’t make sense to use this card for everyday purchases. 5% back at REI stores isn’t bad, but you might just be better off purchasing gift cards to REI at a discount. The sign up bonus is OK as well, but there are much better cash sign up bonuses out there.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
11.99% ‐ 23.99% This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
11.99% ‐ 23.99% This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
24.99% 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. 3% Of each transaction in foreign currencies. |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$38.00 Maximum |
| Promotions | |
| Sign up bonus |
REI gift card upon approval and first purchase. |
| Rewards | |
| 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 | No |
| 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 |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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