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10 cards ranked

Best credit card to use at REI.

ReiOnline Shopping

REI is a member-owned outdoor co-op with about 180 U.S. stores, selling apparel, camping, climbing, and cycling gear. REI codes under its own merchant category on several cards (notably the Co-op Mastercard, which earns 5% back at REI for Co-op Members) and as online shopping for rei.com purchases otherwise. The $30 one-time Co-op membership earns an annual member dividend (~10% of purchases), plus member-only sales — typically the most valuable lever for heavy REI buyers beyond any card bonus.

Picks without a tag earn at REI both in-store and online. Watch for theOnline onlytag — those bonuses only apply on rei.com.

  1. #1
    Capital One
    5% on rei
    At REI retail locations and REI.com
    5%
  2. #2
    U.S. Bank Cash+ Visa SignatureOnline onlyif you select it
    U.S. Bank
    5% on online shopping if you select it as a bonus category (up to $2,000/quarter, then 1%)
    Choose 2 categories each quarter, up to $2,000 combined
    5%
  3. #3
    American Express
    3% on online shopping (up to $6,000/year, then 1%)
    U.S. online retail purchases
    3%
  4. #4
    American Express
    4x points on online shopping
    U.S. online retail purchases
    2.0%4x points
  5. #5
    Robinhood
    3% flat-rate cashback
    3%
  6. #6
    American Express
    2% flat-rate cashback
    2%
  7. #7
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  8. #8
    First Electronic Bank
    2% flat-rate cashback
    Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
    2%
  9. #9
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  10. #10
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%