| Rewards | 5% back on REI purchases and 1.5% back on all other purchases. Rewards do not expire while the account remains active. |
|---|---|
| Signup Bonus | $100 REI gift card after the first purchase outside REI within 60 days of account opening. |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 28.49% variable |
| Cash Advance Fee | $5 or 5% of the cash advance, whichever is greater |
| Late Payment Fee | Up to $40 |
| Purchases APR | 17.49%–28.49% variable, based on creditworthiness |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The REI Co-op Mastercard is a no-annual-fee card built for outdoor shoppers, offering 5% back at REI and 1.5% back on other purchases. New cardholders can also receive a $100 REI gift card after meeting the initial purchase requirement.
Most users say the card’s biggest strength is its straightforward rewards, especially for people who regularly shop at REI. Many reviewers mentioned that earning rewards on both REI purchases and everyday spending makes the card easy to use without tracking complicated categories. The $0 annual fee is another popular feature.
On the negative side, some users have reported frustrations with Capital One customer service, account management, or payment issues. Others feel that 1.5% back outside REI is less competitive than cards offering higher flat-rate cash back.
Personally, I think the REI Mastercard makes sense for frequent REI shoppers who want strong store rewards without an annual fee. If you rarely shop at REI, a general cash-back card with a higher everyday rate may be more useful.
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