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REI World Elite MasterCard

REI World Elite MasterCard


Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 3 Offer Ratings
Over the Past 60 Days!

(3) Over the Past 60 Days!

  • APR 11.24% - 23.24%
  • Balance Transfer APR 11.24% - 23.24%
  • Cash Advance APR 24.24%
  • Penalty APR N/A
  • Annual Fee $0
  • Cash Advance Fee $5 or 4% of value, whichever is greater
  • Balance Transfer Fee $5 or 3% of value, whichever is greater
  • Foreign Exchange Fee 3%
  • Signup Bonus $100 REI Gift Card upon approval and first purchase


  • Click "APPLY NOW" to apply online
  • 5% cash back on everything at REI, even sale items
  • 2% cash back on groceries through 31 March 2017 (though this may not be continued)
  • 1% cash back on all other purchases
  • Plus many other World Elite MasterCard benefits

Expert Reviews

From the Editorial Team

There are two REI Mastercards, the REI Mastercard and this more prestigious one, which is called the REI World Elite Mastercard. 

Expert Reviews of the REI World Elite MasterCard

  • 4.0

    Regular APR

  • 0.0

    Intro APR

  • 4.0


  • 5.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

If you are a loyal customer of REI, this card may offer a lot of value. You must be an REI member but REI lifetime membership is only $20 and entitles you to other special benefits. The APR and fees are reasonable, and the World Elite perks are top-notch – especially if you travel frequently.

The Good

The difference between the REI Mastercard and this World Elite Mastercard is that this card offers additional special World Elite perks and benefits such as travel and trip cancelation assistance and concierge services.

You also earn 5% back on purchases at REI stores; 2% back on groceries (through March 31, 2017, which may not be renewed); and 1% back on everything else. Make a purchase with your new REI MasterCard within 60 days of card approval and you will also receive a $100 gift card as a sign-up incentive.

The Not So Good

You must be an REI member to apply. But rebates earned on purchases are delivered along with the Annual REI Dividend notice, so you'll want to be a member to receive the rewards.

The APR on purchases or balance transfers is 11.24% to 23.24% based on your creditworthiness, and for cash advances the APR is 24.24%. There is an additional surcharge on balance transfers of 3% of the amount of each transfer or $5 minimum, whichever is greater.

Similarly, there is a surcharge on cash advances of 4% of the amount of each advance or $5 minimum, whichever is greater. The fee for foreign transactions or foreign cash advances at an ATM is 2% for transactions in U.S. Dollars or 3% for transactions denominated in a foreign currency.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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