REI Co-op® Mastercard®

Welcome Bonus

Earn a $100 REI gift card

Apply, get approved and make your first purchase outside of REI within the first 60 days and you’ll earn a $100 REI gift card

Annual Fee


Annual Rewards

Earn 5% in rewards on REI Co-op purchases

Earn 1.5% in rewards on all other purchases

Rewards on Approval


Interest rates

Purchase Rates


Cash Advance Rates


Balance Transfer Rates


Table of Contents

REI Co-op® Mastercard®

The REI Co-op World Mastercard combines the convenience of a credit card with exclusive rewards for those who love the great outdoors. With no annual fee, this card stands out for its generous rewards program, special financing options, and the opportunity to support environmental initiatives through REI.


  1. Generous Rewards: Cardholders earn 5% back on purchases at REI, 2% on mobile wallet purchases, and 1% on all other purchases, providing significant rewards for outdoor gear and equipment.

  2. Special Financing: The card offers special financing options, allowing users to make larger purchases and pay them off over time with no interest if paid in full within a specified period.

  3. REI Membership Benefits: Cardholders enjoy the perks of REI Co-op membership, including an annual member dividend, exclusive discounts, and access to members-only events and sales.

  4. No Foreign Transaction Fees: Ideal for travelers, the card doesn't charge foreign transaction fees, making it a practical choice for those who frequently explore international outdoor destinations.

  5. Supporting Outdoor Initiatives: Every purchase made with the REI Co-op World Mastercard contributes to REI's commitment to environmental stewardship, supporting initiatives aimed at preserving and protecting the outdoors.


  1. High APR: While the card offers special financing, the regular APR can be relatively high, making it essential for cardholders to manage their balances carefully to avoid accruing significant interest.

  2. Limited Redemption Options: Rewards earned are primarily geared towards REI purchases, limiting flexibility for those who may prefer cashback or more versatile redemption options.

  3. Credit Score Requirement: To qualify for this card, a good to excellent credit score is generally necessary, potentially limiting access for those with lower credit scores.

  4. Niche Appeal: The card's appeal is centered around outdoor enthusiasts and REI customers, so its benefits may not be as compelling for individuals who don't frequently engage in outdoor activities or shop at REI.

Details & Eligibility

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  • $0
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  • Mastercard
  • No
  • 19.24%
  • 30.24%
  • 19.24%
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The REI Co-op World Mastercard is a credit card designed for outdoor enthusiasts and loyal customers of REI, the renowned outdoor retail cooperative. Issued by U.S. Bank, this co-branded card offers a range of benefits and rewards tailored to those who have a passion for outdoor activities and gear. In conclusion, the REI Co-op World Mastercard is an excellent choice for individuals passionate about outdoor adventures and frequent shoppers at REI. Its rewards program, special financing options, and commitment to environmental initiatives make it a standout option within the co-branded credit card landscape.
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