| Last updated on November 15th, 2023
REI Co-op® Mastercard®
REI Co-op® Mastercard®
REI Co-op® Mastercard®
- 18.99%, 25.99%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.99%, 25.99%, or 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The REI Co-op Mastercard offers outdoor enthusiasts impressive savings, with up to 5% cash back on purchases, a $50 annual credit toward REI Co-op Experiences, and more – for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 5% back on REI purchases
- Earn 1.5% back on all other purchases
- Regular Purchase APR: 18.99%, 25.99%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.99%, 25.99%, or 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that wemay offer you
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $40
- You frequently shop with REI
- You use mobile wallet apps like Apple Pay, Google Pay, or more
- You want a $100 REI gift card after making the first purchase with this card
- You don’t like annual fees or foreign transaction fees
REI Co-Op World Elite Mastercard Review
The REI Co-op Mastercard is the perfect retail card for shoppers who want to give back to outdoor nonprofits and get some rewards as well. REI is a leading name in the outdoor clothing, apparel, and lifestyle sphere, making this the ideal card for anyone that loves the great outdoors. Upon approval and first purchase with the REI Co-op Mastercard, cardholders will receive an REI gift card.
How to Earn Rewards
If you love the great outdoors, the REI Co-op Mastercard can help you turn rewards into new gear. The card, a co-branded card from Comenity and outdoor-giant REI, earns solid rewards with every purchase. Cardholders earn 5% back on purchases made directly with REI and 1.5% back on all purchases.
While the ability to earn 5% back on REI is great, it is also fairly straightforward that a co-branded rewards card earns a solid cash back rate at the store that issues it, the ability to earn 1.5% back on all other purchases is a very nice feature.
REI Co-op cardholders also enjoy double REI Co-op Mastercard rewards on REI Co-op purchases during the brand’s annual event. This means you can earn a dizzying 10% cash back on eligible REI purchases – a huge tally and one worth planning for!
How to Redeem Rewards
Redeeming rewards with the REI Mastercard is easy. Rewards are automatically added to your account and are spendable immediately after earning. REI Co-op Mastercard Rewards are redeemable for purchases at REI locations or online at the REI website. You can look up your Total REI Rewards balance at REI.com/membership/lookup.
Outdoor Cards Compariosn
Here are some other outdoors-oriented credit cards to consider:
| FLW Visa® Rewards Card | Bass Pro Shops® CLUB Card | Cabela's CLUB® Card | |
|---|---|---|---|
| Annual fee | $0 | $0 | $0 |
| Rewards | 3X on streaming, cable, & rideshares; 2X on gas and dining; 1X on all else | 2% back on Bass Pro Shops or Cabela’s purchases; 1% on all else | 2% back on Bass Pro Shops or Cabela’s purchases; 1% on all else |
| Other | Free FLW membership | Special store financing | Special store financing |
| Network | Visa | Mastercard | Mastercard |
Other Card Features
The REI Co-Op works to support projects to help restore trails, natural habitats, and other outdoor preserves. With each purchase with the REI World Elite Mastercard, REI will donate to these projects. The ability to save nature while saving money makes this a very enticing credit card offer for the outdoors person looking for their next card.
As this is a travel card, cardholders can also expect to pay no foreign transaction fees, as well as World Elite Mastercard is designed for those with wanderlust. Cardholders receive a $10 Lyft credit every month when they take five Lyft rides in a month, receive Mastercard’s Hotel Stay Guarantee and Lowest Hotel Rate Guarantee, receive free breakfast at over 2,000 hotels and have access to an exclusive 24/7 travel and lifestyle hotline.
REI Co-op Mastercard cardholders also have access to Mastercard Trip Cancellation Protection, MasterRental® Car Rental Collision Damage Waiver Insurance for rental car bookings, and more – all for no annual fee.
Here is a full list of Mastercard features with the REI Card:
| Zero Liability Protection | Mastercard Global Services | ID Theft Protection |
The REI Co-Op Mastercard also utilizes Mastercard’s True Name program. The True Name program allows cardholders to display their preferred name after receiving their card. The ethos behind this move is that the co-op is a community where everyone belongs – always a nice sentiment for brands to have.
Capital One Ratings
How is Capital One a credit card issuer? Here is a selection of reviews for the bank from consumers and experts alike:
| BestCards | Better Business Bureau | TrustPilot |
|
4.5/5 |
2.5/5 |
2.5/5 |
Should You Apply for the REI Co-Op World Elite Mastercard?
The REI Co-op Mastercard is a robust cash back travel reward card for those who love the outdoors and want to earn rewards while they explore. The ability to earn 5% back on REI purchases and 1.5% back on everything else make this a card that is strong on rewards – all while doing its part to help the environment. For every purchase made with the card, REI will donate to nature projects, ensuring members still have ab beautiful outdoors to explore.
Cardholders also earn an additional 10% yearly as an REI Co-Op member – which provides an additional 50% reduction in adventure travel costs when using it to book travel – and the impressive perks that comes with a Mastercard. The addition of cellphone protection, no annual fee, and no foreign transaction fees make this an excellent option for those who want to protect the great outdoors while earning rewards to free REI merchandise.
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