REI Co-op World Mastercard Review

REI Co-op World Mastercard is a cashback credit card issued by US Bank. If you're wondering whether REI Co-op World Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases.
• Competitive APRs. REI Co-op World Mastercard has a variable purchase APR that ranges from 12.99% up to 24.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. REI Co-op World Mastercard charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.

The Good

The Bad

Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers . 0% APR on new purchases . No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty and price protection on purchases. Travel accident and travel assistance insurance. Trip cancellation insurance. Cardholders can earn rewards on purchases everywhere REI Co-op World Mastercard is accepted.

Does not offer a signup bonus. Charges a foreign transaction fee of 3%. Does not report to credit bureaus. Charges a 3% balance transfer fee.

Is there a REI Co-op World Mastercard cash back or rewards program?

REI Co-op World Mastercard is a cashback card. This means you earn a percentage of your purchase as a cash reward.

REI Co-op World Mastercard Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the REI Co-op World Mastercard benefits?

REI Co-op World Mastercard provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Trip Cancellation Insurance
• Zero fraud liability
• Price Protection
• Travel Accident Insurance
• Travel Assistance

What are the relevant APRs for REI Co-op World Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. REI Co-op World Mastercard has lower than average purchase APRs.

REI Co-op World Mastercard has a variable purchase APR that ranges from 12.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 12.99% up to 24.99%. It also has a variable cash advance APR of 25.99% .

What are the fees for REI Co-op World Mastercard?

The following fees apply to REI Co-op World Mastercard:

• There is no overlimit fee

REI Co-op World Mastercard Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	$35
Late Payment Fee	$35

How to apply for REI Co-op World Mastercard

• Visit the REI Co-op World Mastercard website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.