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. You will not be charged interest on Purchases if you pay your entire balance by the due date each month. Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater. Cash Advance and Cash Advance ATM: Either 4% of the amount of each advance or $5 minimum, whichever is greater. 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. Returned Payment Fee: Up to $35.