When it comes to combining your passion for the outdoors with smart financial choices, few tools are as effective as the REI Co-op® Mastercard®. This credit card is more than just a payment method — it’s a gateway to exclusive rewards, unique member benefits, and a deeper connection to the outdoor lifestyle. Whether you’re a weekend hiker or a seasoned adventurer, this card offers significant value tailored to your lifestyle.
Choosing the right credit card means understanding how it aligns with your financial goals. The REI Co-op® Mastercard® stands out not only for its attractive perks but also for its alignment with sustainability and community values. If you’re looking for a card that supports your love of nature while offering tangible benefits, this might be the perfect match.
A rewarding card for outdoor enthusiasts
The standout feature of the REI Co-op® Mastercard® is its rewards system. Every time you make a purchase, you’re earning money back to fuel your next trip or gear upgrade. You’ll receive 5% back on purchases made at REI and 1.5% back everywhere else Mastercard is accepted — with no annual fee.
What sets this card apart is that your rewards come in the form of REI Co-op Member Rewards, which can be redeemed for thousands of products, both online and in physical stores across the country. From high-performance outdoor gear to sustainable everyday items, the options are wide and diverse. This unique reward system ensures that every purchase you make directly supports your next adventure. It’s thoughtfully designed to give back to the very community that fuels it.
Additional perks that go beyond the checkout
While the rewards program is impressive, the REI Co-op® Mastercard® offers several additional benefits that sweeten the deal even further. Beyond the financial perks, every transaction supports the REI Cooperative Action Fund, meaning your purchases contribute to a more inclusive and sustainable outdoors. Cardholders enjoy:
- Free shipping on REI.com purchases
- Access to exclusive members-only offers
- An annual member dividend
- Travel and purchase protections powered by Mastercard
Built-in travel and purchase protections
One of the lesser-known advantages of the REI Co-op® Mastercard® is its built-in protections. Travel insurance features such as trip cancellation coverage and roadside assistance offer peace of mind. Purchases are also protected, with extended warranties and price protection included for eligible items.
These benefits ensure that whether you’re backpacking across state lines, planning a weekend escape, or simply upgrading your gear at home, your investments remain safe. From delayed trip coverage to protection against theft or damage, you gain added peace of mind with every purchase. This makes the card not just a tool for rewards, but a companion in your daily adventures.
How to apply and maximize your benefits
Applying for the REI Co-op® Mastercard® is simple, especially if you’re already a Co-op member. You can complete the application online in minutes. Once approved, your journey to outdoor rewards begins immediately. To maximize the benefits, use the card regularly for all purchases, not just at REI. Combine your spending with seasonal REI sales and members-only deals to stretch your rewards even further. Keeping track of your reward balance and taking advantage of special promotions will help you get the most from your card.
A smart choice for passionate explorers
The REI Co-op® Mastercard® isn’t just about spending — it’s about investing in the lifestyle you love. By aligning your purchases with a card that gives back, you make every swipe a step toward your next adventure. Plus, knowing your card supports environmental efforts adds an extra layer of satisfaction.
In today’s credit card market, finding one that reflects your values while delivering practical rewards is rare. The REI Co-op® Mastercard® offers that perfect balance, making it an excellent choice for outdoor enthusiasts who want their money to go further — and mean more.
