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.
- #15%
- #2U.S. Bank5% 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 combined5%
- #3Blue Cash EverydayOnline onlyAmerican Express3% on online shopping (up to $6,000/year, then 1%)U.S. online retail purchases3%
- #4Hilton Honors American Express SurpassOnline onlyAmerican Express4x points on online shoppingU.S. online retail purchases2.0%4x points
- #53%
- #62%
- #72%
- #8First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #9Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #10American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%