REI Co-op Mastercard
Best for: REI co-op members who buy outdoor gear often
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
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
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.
REI Co-op Mastercard at a glance
| Issuer | REI Co-op |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Rewards rate | 5% back on REI purchases (in addition to the annual member dividend), 2% on dining, grocery and gas, 1% on everything else |
| Welcome bonus | REI gift card bonus for new cardholders after a qualifying purchase |
| Intro APR | None |
| Regular APR | See terms |
| Foreign transaction fee | None |
| Credit needed | Good (690+) |
| Airport lounge access | No |
| Best for | REI co-op members who buy outdoor gear often |
Rewards & perks
- 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
Who should apply
- A credit score in the good range
- An REI Co-op membership is advisable
- Income adequate to back the credit line
Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official REI Co-op site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
REI Co-opMastercard 5194 3175 7073 2618 VALID THRU 01/28JORDAN TAYLOR REI Co-op MastercardREI co-op members who buy outdoor gear often |
None | 5% back on REI purchases (in addition to the annual member dividend),… | None | None | Good (690+) | |
Amazon / ChasePrime Visa Amazon 4813 5646 4964 7475 VALID THRU 01/29JORDAN TAYLOR Prime Visa (Amazon)Prime members who spend heavily at Amazon and Whole Foods |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2… | None | None | Good (690+) | |
TargetRedCard 5485 8136 1849 2288 VALID THRU 10/31ALEX MORGAN Target RedCard Credit CardRegular Target shoppers who want instant checkout savings |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended r… | None | N/A | Fair to Good (640+) | |
SynchronySam's Club Mastercard 5596 3921 3882 2890 VALID THRU 09/32JORDAN TAYLOR Sam's Club MastercardSam's Club Plus members with high monthly fuel spend |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and tak… | None | None | Good (690+) |
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