Last Updated: 05/14/2026
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)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
12.99% - 24.99%(Verified 06/21/2024)
Disclaimer popup with additional information
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
| The Good | The Bad |
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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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
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.
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.
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
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Other Credit Cards from U.S. Bank
Purchase APR
16.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
15.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
15.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
700 - 850
300
850
Annual Fee
$50
Rating not yet determined
Purchase APR
15.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
15.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$75
Rating not yet determined
Purchase APR
16.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
14.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$85
Rating not yet determined
Purchase APR
16.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$450
Rating not yet determined
Purchase APR
14.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
14.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$80
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
720 - 850
300
850
Annual Fee
$0 - $95
Rating not yet determined
Purchase APR
17.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
17.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
Starting at 720
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -100, or 1 on a 5-point rating scale.
-100
-1000+100
No one recommends
Everyone recommends
REI Co-op World Mastercard Community Reviews
Would you recommend REI Co-op World Mastercard to your friends?
Madeleine M.
Jan 23, 2022
May or may not recommend
I loved REI MC until today. I am OUT $107. Not in the habit of returning things but bought 2 heaters from
CHINA. Did not know it was CHINA until I got tracking info and are they are way smaller than they were depicted on line. One has defective plug and it falls off the wall. Top heavy! Filed a complaint and today was ...Show More
U
Anonymous
Jul 30, 2021
May or may not recommend
It is unfortunate that REI conducts business with US Bank by offering this credit card. Both myself and many others who have obtained this credit card can attest to the poor quality of customer service, statement errors, and efforts to cover up accounting errors that could severely impact a person’s credit. Consider a credit card through a credit union or an AmEx card. Spread the word and ...Show More
MW
Morris W.
Jun 2, 2021
May or may not recommend
Store advised me to sign up for card online so I could use it for bicycle purchase. After card was approved by the credit card company, I was not able to use it to make the purchase because no code was sent to complete transaction and I had to use an alternative credit card to make the purchase, in order to avoid losing the bike. I spent nearly 3 hours ...Show More
U
Anonymous
Jun 29, 2019
May or may not recommend
Very slow in processing payments, which they claim is the US Postal Service's fault, but they are the only company that couldn't consistently process payments mailed ten or more days ahead of time. After being dinged for late fees twice, I cancelled the card. I've never had a late fee on an account prior to picking up this card.
Patti D.
May 12, 2019
May or may not recommend
My account was cancelled because US Bank attempted to get the payment from a closed bank account...never a late payment, always more than minimum paid, Not my mistake but my account closed by them permanently.
Showing 5 of 5 reviews
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