Benefits of REI Credit Card [Bonus and Cash Back Dividends]

You will get cash back, gift card, LoungeKey access, and travel insurance.


Sign-up bonus

The REI credit card is a cash-back card. It earns a certain percentage of each purchase as cash back. Unfortunately, there’s no cash sign-up bonus or loyalty bonus. If you have a high enough spending level, you may want to apply for the card. It can be quite helpful if you plan on using the card for purchases at REI stores.

For new cardholders, REI’s Co-op Mastercard offers a $100 gift card. There is no minimum purchase amount and you will receive the gift card six to eight weeks after opening your account. To qualify for this bonus, you must make a purchase within 60 days of opening your account. The $100 gift card is mailed to you six to eight weeks after you spend $100. To get the REI credit card sign-up bonus, you must be a co-op member of REI.

The REI Mastercard comes with a 5% cash back on REI purchases. However, you should pair it with another rewards card that offers at least 2% cash back. The benchmark is the Citi Double Cash Card, which earns 2% cash back on purchases and has no annual fee. That’s more than enough incentive to apply for the REI credit card. There are other credit cards that offer higher sign-up bonuses, but REI’s MasterCard is worth considering.

If you’re looking for a credit card with no annual fee, REI’s Mastercard may be for you. This card does not have an annual fee, so you can transfer funds overseas without worrying about a penalty interest rate. In addition, the card comes with a 3% balance transfer fee. It’s not free, but it’s certainly better than no bonus at all. You should view this as a convenience rather than a necessity.

REI offers a $100 introductory bonus as a signup incentive for its credit card. This is an extremely attractive signup incentive, and the card also offers 5% cash back on all purchases, including gift cards and items on sale. Besides that, the card also comes with a 10% REI discount. And with the $100 bonus card, you’ll be saving even more money. But there’s one caveat: REI’s rewards don’t post immediately. They’re distributed annually in March.



If you have a REI credit card, you can earn 10% back on purchases and receive a 15% dividend each year. That’s great, but you may have questions about your credit score. To get a good idea of your score, look up your credit report on U.S. Bank’s website. You can also request your dividends in cash or by check. The grace period is 24 to 30 days, and if you make purchases on your card during this time, you won’t be charged interest. Checks, however, are issued to cardholders only during the same time frame.

The REI Co-op Mastercard is another excellent option. It is associated with the REI Co-op, which gives cardholders the opportunity to earn 5% back on purchases. If you use your REI credit card frequently, you will also earn 2% back on purchases, as long as you spend less than $500. You will also receive 10% back on eligible purchases in 2020. This card is free, so it’s worth looking into.


Mobile wallet earning rate

The REI Mastercard offers a 2% mobile wallet earning rate, which is good for those who use Apple Pay, Samsung Pay, or Google Wallet to make purchases. The rate is not very high, but it’s better than nothing. Plus, new REI Mastercard holders can get a $100 REI gift card when they open an account within 60 days of joining the REI program. However, this isn’t a market-leading bonus.

The REI Credit Card also offers a free membership to LoungeKey, which offers free access to 400 airports in 120 countries. This membership is also optional, but it can save you a lot of money if you travel frequently. Additionally, you can access your credit rating through an online account. The report is only for educational purposes and cannot be used by banks to make financial decisions. However, if you have good credit, it’s well worth checking out the REI Mastercard.


Annual fee

The REI credit card doesn’t have an annual fee, but it does charge a balance transfer fee. Generally, 3% of the amount transferred is a standard rate on most credit cards. The minimum balance transfer is $5, and it works at all ATMs. The cash advance fee is 5% of the purchase price, with a maximum of $10. If you need to use the ATM, the REI card is a good choice.

The REI Co-op Mastercard comes with multiple benefits, including rental insurance, emergency support, and purchase protection. Other perks include trip cancellation insurance, travel assistance insurance, and fraud protection. You can even receive free REI merchandise through the REI Co-op World Mastercard! Getting an REI credit card is as easy as a few clicks.

With the REI Mastercard, you can enjoy the benefits of a credit card while doing good. The company donates 10 cents of each transaction to its REI Foundation, a 501(c)(3) private foundation with a mission to reconnect underrepresented groups with nature, advance climate action, and promote outdoor recreation. The amount of donations is not fixed, and any transaction posted late December of a current year may not count.


The REI Co-op Mastercard earns you 5% cash back on purchases with the REI co-op. In addition, you can also get 1% cash back on all other purchases. If you’re planning on buying outdoor gear, the REI Co-op Mastercard is a great option. The REI Co-op Mastercard is great for those who like outdoor adventures and travel. It also has a number of great benefits, such as travel insurance and vacations.


To be approved for an REI credit card, you need a 700 credit score. Your score will be based on past negatives, recent inquiries and current debts. If you are close to the required score, you may still qualify.



Capital One has $440 Billion in assets.

It offers financial services like loans and credit cards. It is in the S&P 100 and trades on NYSE as COF.

You are allowed to have more than one cards from them, as many as your standing will allow.


In 2021 REI had $3.7 Billion in sales with net income of $98 million. They have 178 stores in 42 US states and 20 Million members.