If you enjoy hiking, biking, or other outdoor activities, you may enjoy the REI credit card. REI is a large retailer that specializes in outdoor goods, and their Mastercard offers you cash back on your purchases at REI as well as at other locations. The REI credit card is issued by U.S. Bank. You have the best chance of being approved if you have good credit, which means a credit score of around 700 or higher.
How to Apply for REI Credit Card Online
It’s quick and simple to apply for an REI credit card online.
- First, visit their website at reimastercard.com.
- Click on the box saying “Learn more.”
- On the next page, click on the box on the right side that says “Apply Now.”
This brings you to the REI credit card application.
- Enter your REI member number, your first and last name, your date of birth, and your Social Security number.
Choose your country of citizenship. Provide your phone number and your email address. Enter your address and select whether you own or rent your home.
Provide your monthly payment. Choose an option for your employment status and enter your annual income. Pick an option for the source of your annual income.
If you’d like to do a balance transfer, provide the card information.
- Scroll down and check the box agreeing to the terms and conditions. Click the green “Submit” button.
Other Ways to Apply for REI Credit Card
You can also apply for an REI credit card by phone. Call 1-877-734-97-37 to complete an application.back to menu ↑
REI Credit Card Rewards Program
The REI credit card offers cash back rewards. You earn 5 percent back for your REI purchases and 1.5 percent back on all your other purchases. The REI card also offers World Mastercard benefits like travel assistance and lost luggage protection.back to menu ↑
REI Credit Card FAQs
What is the APR for an REI credit card?
The APR is variable based on the Prime Rate. It’s also based on your credit history. APRs typically range from 16.99 percent to 27.99 percent.
Can I transfer a balance?
You can transfer a balance. The APR is the same as your purchase APR and there is a fee of 3 percent.
Is there an annual fee?
There is no annual fee for the REI credit card.
Is there a late fee?
If your payment is late, you may be charged a fee of up to $38. There is no fee for exceeding your credit limit, though.
Can I get a cash advance with the REI credit card?
You can get a cash advance. The APR for a cash advance is 27.99 percent and there is a 4 percent fee for each transaction.
Overall, the REI credit card has good reviews. Offering cash back rather than store rewards is unusual for a store credit card, which many cardholders like. If you’re a frequent REI shopper, the 5 percent back can add up quickly. There are a few complaints about customer service, but overall, if you have good credit, this could be a good choice for your wallet.