REI Co-op Mastercard
A co-branded Mastercard (issued by Bread Financial) for outdoor enthusiasts, earning bonus rewards on REI purchases that pay out as the co-op member dividend.
Why it ranks
- No annual fee
- Excellent REI rewards
- Usable anywhere Mastercard is accepted
What holds it back
- Rewards redeemable as REI gift cards
- Requires REI Co-op membership for full benefit
- Best value for outdoor enthusiasts
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A co-branded Mastercard (issued by Bread Financial) for outdoor enthusiasts, earning bonus rewards on REI purchases that pay out as the co-op member dividend.
REI Co-op Mastercard at a glance
| Issuer | REI Co-op |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | REI gift card bonus for new cardholders after a qualifying purchase |
| Rewards rate | 5% back on REI purchases (in addition to the annual member dividend), 2% on dining, grocery and gas, 1% on everything else |
| Intro APR | None |
| Regular APR | See terms |
| Foreign transaction fee | None |
| Credit needed | Good (690+) |
| Best for | Outdoor gear buyers and REI co-op members |
| Airport lounge access | No |
Rewards & benefits
- 5% back at REI on top of the co-op dividend
- Rewards delivered as REI gift cards
- 2% on everyday categories
Eligibility & who it suits
- Good credit score
- REI Co-op membership recommended
- Sufficient income to support the line
How to apply
Check current rates on REI Co-op’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | RCREI Co-opMastercardNo annual fee · US REI Co-op MastercardOutdoor gear buyers and REI co-op members |
None | 5% back on REI purchases (in addition to the annual member dividend), 2% on dini… | REI gift card bonus for new cardholders after a qualifying p… | None | Good (690+) | |
| 2 | A/Amazon / ChasePrime Visa AmazonNo annual fee · US Prime Visa (Amazon)Amazon Prime members and frequent online shoppers |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2% gas/dini… | Amazon gift card on approval | None | Good (690+) | |
| 3 | TTargetRedCardNo annual fee · US Target RedCard Credit CardRegular Target shoppers |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended returns | Discount for new cardholders | N/A | Fair to Good (640+) | |
| 4 | SSynchronySam's Club MastercardNo annual fee · US Sam's Club MastercardSam's Club members who buy a lot of gas |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and takeout, 3% o… | Statement credit after a qualifying purchase soon after open… | None | Good (690+) |
Reader reviews
No reader reviews yet. Have this card? Share how it has worked for you.
Write a review
Reviews appear after moderation.
Comments & Questions (0)
No comments yet — be the first to ask. Comments appear after review.
Leave a comment
Your comment appears after our team approves it. Or sign in to post faster.