REI Co-op Mastercard

The REI Co-op Mastercard rewards outdoor shoppers with 5% back at REI stores and REI.com, plus a respectable 1.5% on everything else, all with no annual fee and no foreign transaction fee. The signup bonus is one of the easiest around: a $100 REI gift card after your first purchase outside REI within 60 days, with no minimum spend. That combination makes it a natural fit for anyone who regularly buys gear at REI and wants a decent card for trips abroad too. The tradeoff is that there are no other bonus categories and no intro APR, and the welcome bonus comes as an REI gift card rather than cash. If you rarely shop at REI, a flat 2% card will earn more on your everyday spending.