Reviewed by the editorial team
Apply on official site ↗You'll be taken to the issuer's secure website.
⚖ Add to comparisonREI Co-op · Mastercard
REI Co-op Mastercard
Built for people who buy gear: 5% back on REI purchases on top of the annual co-op member dividend, plus 2% on dining, grocery and gas. The catch is the 5% pays out as REI rewards you redeem at REI, so it's only worth full value if you keep buying there; a flat-2% cash card is more flexible for everyone else. Spend $1,000/yr at REI and that's about $50 back plus your dividend, versus $20 on a generic card. No annual fee, but you'll want the co-op membership to get the dividend, and the regular APR is steep for carrying a balance, so confirm the rate on Bread Financial's site.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓5% returned at REI, layered on top of the yearly co-op dividend
- ✓Rewards arrive in the form of REI gift cards
- ✓2% earned across everyday spending categories
👍 Pros
- + Carries no annual fee
- + Outstanding rewards on REI purchases
- + Works anywhere Mastercard is taken
👎 Cons
- – Rewards come back as REI gift cards
- – Full value depends on holding an REI Co-op membership
- – Suits outdoor enthusiasts best
Can you get it?
- ▸A credit score in the good range
- ▸An REI Co-op membership is advisable
- ▸Income adequate to back the credit line
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
Decided on the REI Co-op Mastercard?
Finish your application on the issuer's own secure site.
Apply now ↗Was this helpful?
Put it up against similar cards
Chase Sapphire Preferred Card
Chase
If you want transferable points without paying for lounge access you'll never use, the Pr…
Chase Sapphire Reserve
Chase
This only makes sense if you'll burn through the annual travel credit and use Priority Pa…
Chase Freedom Unlimited
Chase
A solid no-fee everyday card, but its real value shows up only when you also hold a Sapph…
Questions & Answers
No questions yet. Be the first to ask!
Comments (0)
No comments yet. Share your experience!