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  REI Co-op World Mastercard

REI Co-op World Mastercard

in Personal Credit Cards from US Bank

Unaffiliated

REI Co-op World Mastercard

Unaffiliated

in Personal Credit Cards from US Bank

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

0 users recommend
0 users are unsure
3 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 12.99% - 24.99%
Balance Transfer APR  (Variable APR) 12.99% - 24.99%
Credit Score Range N/A
Annual Fee $0

REI Co-op World Mastercard Review

This is a cashback credit card issued by US Bank. If you're wondering whether REI credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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 3% on balance transfers. For example, a balance of $1,000 could cost $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.
Pros & Cons of REI credit card
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.
REI credit card FAQ

Does REI credit card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

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

Does REI credit card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does REI credit card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the REI credit card benefits?

It 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 credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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% .

Does REI credit card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0%

REI Co-op World Mastercard Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer APR 12.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does REI credit card have an intro APR offer on new purchases?

REI Co-op World Mastercard Purchase Intro Offer
Description
Introductory Rate 0%

This card does offer an intro APR rate of 0% on qualified purchases

What are the fees for REI credit card?

The following fees apply:

  • There is no overlimit fee
REI credit card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $35
Late Payment Fee $35

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does REI credit card have a foreign transaction fee?

REI credit card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for REI credit card?

The REI credit card customer service number is (800) 872-2657.

What is the support contact email for REI credit card?

The support contact email for REI credit card is customer.support@usbank.com.

How do people rate the customer service and user experience of REI credit card?

Overall, REI credit card is strongly not recommended based on community reviews that rate customer service and user experience.

How to apply for REI credit card

  • Visit the REI credit card 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:30pm
  • Tuesday 8:30am - 5:30pm
  • Wednesday 8:30am - 5:30pm
  • Thursday 8:30am - 5:30pm
  • Friday 8:30am - 5:30pm
  • Saturday Closed

Other Services by US Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
Over-Limit Fee $0
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 4%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
No Interest Grace Period for Late Payment 0 days
Returned Payment Fee $35
Late Fee Amount $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Price Protection
  • Purchase Protection
  • Travel Assistance
  • Trip Cancellation Insurance
  • Emergency Support
  • Travel Accident Insurance
Rewards Rates
  • Every Purchase
  • Retail
Cash Advance APR (Variable APR) 25.99%
Purchase APR (Variable APR) 12.99% - 24.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 12.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Cashback
  • Rewards
Card Network Visa

REI Co-op World Mastercard Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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