REI Credit Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The REI Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rate$100 initial rewards bonusNo foreign feeNo intro APR on purchasesNo intro APR on balance transfersRequires good/excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 10 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Info about the REI Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
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Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
Rewards
Get a $100 REI Gift card after you make your first purchase outside of REI within 60 day of account opening.
Earn 5% back at REI retail locations and on REI.com, and 1.5% back on everyday purchases.
REI Co-op Rewards won't expire for the life of your account.
You will earn $50 account credit when you use your card to make an REI Co-op Experiences purchase, including multiday and single-day trips and instructional courses.
$0 annual fee, but $30 for a lifetime. The REI Mastercard doesn’t have an annual fee, which might make it easier to justify opening a credit card primarily for purchases from a single retailer. The REI Credit Card isn’t completely free, though. You’ll have to pay a $30 one-time fee... show more
Info about the card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
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The REI Co-op® Mastercard® program proudly donates $2M every year to the REI Cooperative Action Fund, which directly supports organizations promoting justice, equity and belonging in the outdoors.
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The REI Mastercard is offered exclusively to REI members.
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Membership is not included with the card; however, in order to apply for the card, you must first become a member, which requires a one-time payment of $30.
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24/7 Account Access with Online Banking and 24/7 Cardmember Service.
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The REI Credit Card benefits include concierge services, extended warranty, and trip cancellation insurance. In addition, this card offers exclusive offers on ride-sharing, food delivery, online shopping ,and more. All these perks are offered as part of the World Elite Mastercard benefits.
Here are the REI Credit Card benefits:
Extended Warranty: Doubles the manufacturer's warranty (up to 2 years) on eligible purchases.
Price Protection: If the price of an eligible purchase drops within 120...
No, there is no REI Credit Card foreign transaction fee. This means you won't be charged extra anytime you use the REI Credit Card outside of the United States. This applies whether it's a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant.
Having a credit card with no foreign transaction fees is a great idea if you often travel outside the U.S. or make online purchases through foreign merchants. Plus, with all...
A credit score of at least 700 (good credit) is required for the REI credit card.
But your score won't be the only factor they'll take into account. Your current debt, recent inquiries or any past negatives will also play a role in the approval decision.
The REI Visa card is actually being replaced by the REI MasterCard. You can still get a $100 gift card by opening a REI MasterCard and making a purchase within 60 days of card approval. Best of luck!
In order to use your REI Credit Card chip, you insert your card in the reader and leave it there for several seconds. It may be slower compared to using the magnetic stripe on your credit card, but it provides better protection against fraud. The chip simply improves the security of your account by making your card harder to copy.
You can learn more about chip-and-PIN vs. chip-and-signature credit cards here.
With the REI Credit Card cell phone insurance, you can be reimbursed for damage or theft of an eligible cellphone when you pay your monthly cellphone bill with your card REI Credit Card.
Your coverage is up to $800 per claim, 2 claims per year, with a $50 deductible, up to $1,000 per 12-month period. Coverage begins the first day of the calendar month after you make a payment.
The REI Credit Card trip cancellation policy provides reimbursement for your non-refundable payments to a common carrier if a covered trip is canceled due to a covered loss.
So, if you cancel your trip prior to departure, you will receive a check for the dividend amount 4-6 weeks later.
Exclusions apply, so for additional information please call 800-622-2236.
Share your insights and review for the REI Credit Card
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3.6
277 reviews
277 reviews
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klpierson10 @klpierson10
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2 Star Rating
Verified Customer
MY Capital One REI card has been hacked 4 or 5 times. I never had any problem previously with US bank REI card. I may have to give it up if this continues.
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Michael Budros @mbudros
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2 Star Rating
Benefits are OK but US Bank is not great, and it's very difficult to create accounts in some areas (e.g., DC) so be aware. It was not mentioned in other reviews that a US Bank account with $1,500 minimum balance (to avoid fees) would be required.
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David @davidg65
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3 Star Rating
Verified Customer
Service as expected you stupid machine
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Chris Liu @ozmomomo
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3 Star Rating
The REI-specific and general card benefits are fine, and are why I own this card. That said, the technology of US Bank is not great.
For example, when contacting the back-of-card customer service number, I have to travel through two phone trees and enter my card number TWICE in order to reach a human.
That said, if you want a card with REI benefits, this is your only choice. Just know what to expect.
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Ryan Malloy @ryan17
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1 Star Rating
Avoid this card and lender. It is a shame that REI deals with U.S. Bank. They are HIGHLY predatory. After speaking with a representative about an issue impacting my ability to make a single payment due to COVID 19, I was told that the late fee would be waived and that the missed payment would not be reported. I immediately made my payments, to find out months later that I was reported, had my credit limit dropped and my credit score significantly reduced. I would recommend that any individuals looking into this credit card avoid this unethical institution and opt for a credit card through a local credit union.
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Mitchell Souter @Mbsouter
I had a very similar experience. REI is great but US Bank is horrible. After waiting months to GET the card through multiple written (yes, I mean through the postal service...) they gave me a 2k credit limit. I missed one payment but called and paid the total balance off immediately when I was notified. I then found months later that they dropped my limit to 500. It's insane that I have my Amex Platinum approved on the spot and overnighted but US Bank drops me to a credit limit equal to my first credit card as an 18 year old in the Army. There are a bunch of other forums out there that echo my complaint on the approval process and would highly recommend anyone considering this card to read those stories.
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iatwoodf @iatwoodf
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1 Star Rating
Avoid this card at all costs simply due to customer service. If you ever have to reach someone with an issue, you better have time. I have been unable to use online bill pay for 3 days now. The drop down does not show my checking bank account even though it says I have added it. When I click on payment accounts I get a response that the system is offline. It's been offline for 3 days. The last 3 times I've called the help number I've had to wait 15-20 minutes to reach an individual. I just called this time and it said I had to wait 15 minutes to reach a banking individual. This is the worst service I've ever had with a credit card. I'm extremely close to cancelling and never doing business again with US Bank. Every other credit card I own, I have to wait less than 1 minute to reach a customer service representative.
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Lisa Walters @lisawalters5
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1 Star Rating
Verified Customer
I have been profoundly disappointed with the REI Mastercard and strongly recommend against it to anyone. I have been a member for several years with no issues until a month ago. I first noticed that the app I used to make payments was down due to technical issues; I was told to call customer service for assistance or try again later. I was also unable to make a payment using the online banking website due to technical issues. So, around 12/11/18, I called the 24-hour customer service line and was on hold for over 20 minutes until I was connected to a representative. During the call, I made a payment, and was also informed that my card had been shut down due to fraudulent activity. I waited for my new card to be mailed to me a few days later, and I immediately activated the new card and mailed in the requested documentation about the fraud. During these past weeks, I still have been unable to manage my account using the app or the online banking website due to technical difficulties. (My bank account is not an available payment method; when I try to add it, the website says that it's already added, but I cannot access it). Today, almost a month after the initial call to customer service to make a payment, my card is still declined when I try to use it and I am still unable to manage my account using the app or online banking website. I called the 24-hour customer service line today to get assistance with the technology to manage my account and with my card itself, and I was on hold for over 1 hour and 15 minutes before finally giving up. I have neither the time nor the phone battery power to obtain assistance. I have spent hours of my time and still have not been able to solve the technical issues or the account issues, AND I have been deprived of increased dividend due to my REI shopping during the holidays. My next payment is due soon and I will have no choice but to call customer service again when I have more time (how much time will be necessary, I do not now), or I risk penalty for not making a timely payment. I have requested assistance by email, having no time left to wait on hold by phone, but have not yet received a response.
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iatwoodf @iatwoodf
I currently have this exact same problem with consistent terrible online waits. I'm never using this card again.
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Stephanie Jensen @Stephj
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1 Star Rating
I’ve had this card over 5 years. Just went through a divorce and they couldn’t take my ex’s name off the existing account...they had to cancel my card. That totally messed up my credit history and they list a loyal customer.
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Generic Worker @m_whitehead483
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1 Star Rating
I have had a very poor experience with US BANK customer service. I have used the card for several years for my purchases at REI coop in order to get the 5% rewards. I always pay the card upon receipt of the statement. On one occasion I had a balance of $15.00 and submitted payment. The payment arrived on the due date but according to US BANK after the cutoff time so I was charged a $35.00 late fee. I was however not aware that a late fee was applied and did not receive statements for several months. Apparently the company sent single page letters instead of statements since in fact there were no purchases. Thinking the letters were solicitations or privacy notice junk mail circulars, I did not open them and threw them away until I finally received an actual statement this month. By this time, the company had applied late charges upon late charges and interest on the late charges, again without sending actual statements, running up a bill by this time of almost $100 even though I had purchased nothing and in fact paid my account in full by the due date. It is my belief that US Bank engages in this trickery to unjustly and fraudulently run up charges and gouge consumers, and was unwilling to listen to reason and reverse all the charges. I ended up having to pay $22.21, for nothing. I feel ripped off and intend to cancel the card and write REI, a company I like, to complain about this disreputable company that uses their name.
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Benjamin Woelk @emeryrock
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1 Star Rating
I had a very poor clerical and customer service experience with US Bank. I opened an REI card with a very high credit limit back in October of 2017. I had an autopayment scheduled in November to pay the balance of the card in full that I attempted to cancel several days before the payment was due. Online it indicated the autopayment was cancelled. I then submitted a payment for nearly half of the entire statement balance of $235. U.S. Bank still processed the autopayment for the entire statement AND THEN took an ADDITIONAL $235 payment. To clarify, after the autopayment went through my balance on the statement and card was FULLY PAID. US BANK took an additional $235 beyond anything that was owed to them! I called and learned that US BANK is more than happy to take money towards "future payments" and only upon request was I issued a check in the mail that took 10 business days to arrive. Imagine that the next time you think about their Cash Advance terms.
Fast forward to this month, believing everything was settled with autopayments and the whole issue, I just received a late payment. I called to complain and told them I wanted the $27 charge removed due to the entire scenario described above. They refused to remove the late payment (due on New Years Day) so I just closed a $17,500 credit limit card with the bank. I will never do business with US Bank again, REI needs to look at the financial corporations they are supporting closely.
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