Last Updated: 07/28/2025
SuperMoney User Recommendation Score -100
Strongly not recommended5 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
15.49% - 26.49%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
12.99% - 24.99%(Verified 06/21/2024)
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Credit Score Range
N/A
Annual Fee
$0
Number of Reviews
REI Co-op World Mastercard Review
This is a cashback credit card issued by U.S. Bank. If you're wondering whether REI Co-op World Mastercard is the right card for you, read on.
Key Takeaways
- 0% Intro 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.
- APRs: REI Co-op World Mastercard has a variable regular purchase APR that ranges from 15.49% up to 26.49%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 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 up to 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, price protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
Pros & Cons of REI credit card
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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.
| Description |
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?
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 credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.REI Co-op World Mastercard has a variable purchase APR that ranges from 15.49% up to 26.49%. 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 26.49% .
Does REI credit card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0%
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 12.99% - 24.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does REI credit card have an intro APR offer on new purchases?
| 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee of up to $40 . Does REI credit card have a foreign transaction fee?
REI credit card charges a foreign transaction fee of up to 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 customer service number for REI credit card 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.
What is the login page for REI credit card?
You can access the login page of REI credit card here.
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.
Does U.S. Bank perform a hard credit pull?
Yes, REI credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for REI credit card
- Visit the website of REI credit card.
- 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.
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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.
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