MastercardREI Co-op Mastercard
5% back at REI on top of the 10% member dividend.
Welcome Bonus
10,000
≈$100 value
Spend Requirement
None
in 2 months
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Current offer note: $100 REI gift card after your first purchase outside REI within 60 days
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xREI purchases, including sale items
- 1.5xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦5% card rewards stack with the annual 10% Co-op member dividend
- ✦Rewards available for redemption within days, not annually
- ✦No foreign transaction fees
Why it earns its spot
- +Effective 15% back on full-price REI gear for members
- +Easiest welcome bonus in the business: one purchase
Where it costs you
- −1.5% everywhere else is unremarkable
- −Rewards are REI-centric by design
The Compound Verdict
For an REI regular this is close to free gear: the dividend and card rewards stack into double-digit returns on every full-price purchase. If your REI runs are occasional, a 2% card earns more across your whole life.
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