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REI MasterCard

REI MasterCard


Rated 4/5 stars by our editorial team

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4.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!

  • APR 12.99% - 24.99% variable
  • Intro APR N/A
  • Balance Transfer APR 12.99% - 24.99% variable
  • Balance Transfer Intro APR N/A
  • Cash Advance APR 24.24% variable
  • 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%
  • Rewards Details N/A
  • Signup Bonus $100 REI Gift Card when you apply for, get approved and make any purchase within 60 days of card approval.


  • 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
  • 1% cash back on all other purchases
  • Plus many other MasterCard benefits

Expert Reviews

From the Editorial Team

This is an overview of the REI Mastercard, which apparently used to be referred to as REI Platinum Mastercard. (There is a different REI Mastercard known as the REI World Elite Mastercard, for which you need a higher credit score.)

Expert Reviews of the REI MasterCard

  • 4.0

    Regular APR

  • 0.0

    Intro APR

  • 4.0


  • 4.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

If you are a loyal customer of REI, this card may deserve serious consideration because it offers easy ways to earn REI rewards. 

The Good

You earn 5% back on purchases at REI stores; 2% back on groceries (through March 31, 2017); 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 if you are not a big fan of REI it wouldn’t make sense to carry this card anyway, since all of the rewards go toward purchases and benefits at REI stores. But an REI lifetime membership is only $20 and entitles you to other special benefits.

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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