REI Co-op Credit Card Evaluation

Pros and Cons of REI Co-op Credit Card


  • No restriction to amount of incentives you can gain
  • No minimum quantity called for to retrieve rebate
  • Rebates instantly put on your annual returns (dispersed in March of annually).
  • Can retrieve dividend for cash money at an REI shop prior to Jan. 3 of the following year.
  • Refunds issued by money or check for any kind of unredeemed refunds when your dividend runs out.


  • Rewards distributed just when per year.
  • Returns only apply to acquire of REI product.
  • Dividends end Jan. 3, just under 2 years after day of issue.
 REI Co-op Credit Card
REI Co-op Credit Card

Various Other Notable Features: $0 scams liability, price protection, extended guarantee, identification theft resolution, vehicle rental accident damages waiver insurance, lost baggage protection, donate 10 cents to the National Forest Structure whenever you use your card, EMV chip technology, emergency card services, World Mastercard advantages (priceless golf, individual travel advisor, deluxe hotels & hotels program).

If you’re a follower of outdoor camping, treking, whitewater rafting and similar outdoor journeys, the REI Co-op Mastercard is certainly worthwhile of consideration. While undoubtedly less-than-appealing when it involves day-to-day use, the credit card supplies good-looking rewards on REI acquisitions, has no annual fee and features an easy-to-earn sign-up perk.

Vacationers will certainly also value the card’s useful World Mastercard benefits such as concierge solutions, shed travel luggage coverage and also access to the firm’s high-end resorts and resorts site.

Excellent rewards price on REI Credit Card acquisitions

The REI Co-op Credit Card includes a precise rewards program: Cardholders make a generous 5-percent refund (i.e., cash money back) on REI purchases, including present cards and price cut items, which isn’t typical of most store-branded credit cards. You’ll additionally receive a 1-percent rebate almost everywhere else, which implies this card isn’t a fantastic option for everyday purchases– you can earn higher benefits with various other cash money back cards, such as the Citi Double Cash money credit card and the Quicksilver Cash Benefits card.

price on REI Credit Card
Price on REI Credit Card

Furthermore, the REI Mastercard is the unusual card that returns. 10 cents of every acquisition (as much as $1 million each year) is contributed to the National Forest Foundation, a not-for-profit that engages Americans in community-based and nationwide programs that advertise the wellness and also public satisfaction of the 193-million-acre National Forest System.

REI Credit Card Valuable sign-up offer

The REI Credit Card grants a $100 gift card to brand-new cardholders – this is a generous offer for a retail card and also is also notable for the lack of a minimal spending need to earn the present card. All you have to do is purchase within the initial 60 days of account opening and also you’ll obtain your present card six to eight weeks later. It’s as straightforward as that.

REI lifetime membership called with REI Credit Card

Although the REI Co-op Credit Card has no yearly fee, you’ll require to be an REI lifetime participant to apply. Luckily, the membership costs just $20 and consists of extra advantages in addition to the credit card, such as special rates on REI Experiences trips and access to semi-annual REI garage sales, where you can save 50 percent or even more on carefully utilized as well as returned equipment.

Even better is that the life time subscription’s annual reward– your share of the co-op’s yearly profits – is added to your card refunds. While not ensured, annual subscription dividends of 10 percent are normal; plus, relative can utilize your participant number when shopping to assist accelerate your incomes.

REI Credit Card Hands-off redemption

Yearly returns are sent out in mid- to late March of the year following accrual. The dividend benefits REI purchases when receipt, yet cardholders can likewise request their rewards in cash money or check at any type of REI store. Cash demands can be made from July 1 via Jan. 3 of the list below year. You can request for a check at any moment, however those are just sent out to members during the same duration as money demands.

Returns run out on Jan. 3, just under 2 years after being released (e.g., rewards got in March 2018 will end Jan. 3, 2020). Luckily, the rebates that you gain with the card don’t expire with those dividends – you’ll obtain a refund by cash money or look for any kind of unredeemed discounts.

Keep in mind that if you’re the type who wants prompt accessibility to the benefits you collect, you could not appreciate the REI Credit Cards once-a-year redemption rule.

Possibly high APR of REI Credit Card

The REI Credit Cards variable APR begins at a reasonable 12.74 percent. Nonetheless, not all cardholders will receive that interest rate. Those with less-than-perfect credit histories might face an APR as high as 24.74 percent, which is also greater than 2016’s average retail card rate of 23.84 percent.

No matter the APR you’re designated, it’s worth explaining you should never ever lug a balance on any credit card unless you’re enjoying a short-term APR of 0 percent. Simply put, attempt to stay clear of billing greater than what you can manage to pay in full monthly.

World REI Credit Card benefits

As a Globe Mastercard, the REI Credit Card features specific rewards, including $0 fraudulence responsibility, price protection, extended service warranty, identification theft resolution and even more. You’ll also appreciate extra facilities at numerous hotels and also hotels using accessibility to the High-end Hotels & Resorts profile, which you can find below.

Note: Card applicants are taken into consideration for either the REI Co-op Globe Mastercard or the REI Co-op Platinum Mastercard, the latter of which might not consist of the same Mastercard benefits.

Why obtain the REI Credit Card ?

  • You’re a current REI client or invest a lot of money on outside gear and also garments.
  • You already have a life time subscription at REI.
  • You don’t intend to utilize this card for day-to-day acquisitions.
  • You want hassle-free redemption and also don’t mind obtaining incentives simply as soon as annually.

Exactly how to utilize the REI Co-op Mastercard

  • Buy (no minimum called for) within 60 days of card approval to rack up a $100 REI present card.
  • Request your dividend in cash or inspect if you prefer to not spend it on REI merchandise. (This also assists keep your rewards from ending prior to you have a chance to use them.).
  • Avoid utilizing this card outside of REI shops or the REI website.
  • Ought to your outside journeys take you abroad, leave the card in the house to avoid incurring foreign purchase fees.