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About Our Ratings
Credit Needed
Excellent

REI MasterCard® Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Annual Fee
None

This card compared to other cash back cards

Cashback on Gas
1.5%
1%
Cashback on Groceries
1.5%
1%
Cashback on other
1.5%
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
N/A
APR:
0%
Period:
for 15 Months
APR:
0%
Period:
for 12 months
Purchase APR
11.24% to 23.24% based on your creditworthiness when you open your account (Variable)
14.24%-23.24% (Variable) 
11.24% - 23.24% Variable 
CardRatings.com Editorial Staff

REI MasterCard® details

Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
N/A
Purchase Intro:
APR:
N/A
Purchase APR:
11.24% to 23.24% based on your creditworthiness when you open your account
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 7.74% to 19.74%
 7.74% to 19.74%
 20.74%
APR:
  11.24% to 23.24% based on your creditworthiness when you open your account
(Variable)
 11.24% to 23.24% based on your creditworthiness when you open your account
 24.24% (variable)
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 N/A
 N/A
Intro Period:
 N/A
 N/A
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars; 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
Late Fee:
 Up to $35
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either 3% of the amount of each transfer or $5 minimum, whichever is greater  


Notes:

Rebate Description:
 REI gift card upon approval and first purchase. 5% back at REI. 2% back on Grocery purchases through 3/31/16. 1% back everywhere else.
Special Notes:
 Feel good knowing the REI MasterCard gives back to the outdoors by donating to outdoor nonprofits that align with REI's giving philosophy. On behalf of REI MasterCard members, U.S. Bank donates $10,000 per year to nonprofit organizations that help connect people with nature and promote active volunteerism to restore natural spaces. Returned Payment Fee: Up to $35.
Credit Card More Information:

Card Issued By:
 U.S. Bank
General Correspondence Address:
 
Card Type:
 MasterCard
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Chase Freedom Unlimited℠

Chase Freedom Unlimited℠

  • NEW! Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good
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  • No annual fee.
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Credit Needed:
Excellent/Good