REI Co-op Mastercard®

Advertiser Disclosure Editorial Disclosure

Last updated on February 23rd, 2023

Advertiser Disclosure Editorial Disclosure

REI Co-op® Mastercard®

REI Co-op® Mastercard®
Excellent-Good uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent/ Good
Mastercard Processing Network
None Annual Fee

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

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.

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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