REI Credit Card: Rewards, Benefits, and User Experiences

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Discover everything about the REI Credit Card – from rewards, perks, and financing options to tips on maximizing points for outdoor gear and membership benefits.


Let’s Talk About the REI Credit Card – Benefits, Rewards, and Experiences

Hey everyone,

I wanted to start a discussion about the REI Credit Card. For those who love outdoor gear, hiking, camping, and adventure, REI is a well-known name. But their credit card isn’t just a payment method—it comes with perks and rewards specifically tailored for outdoor enthusiasts.

I’ve been using the card for a while and thought it would be useful to share insights, pros, cons, and real experiences. Hopefully, this helps anyone considering applying or using one.

What Is the REI Credit Card?

The REI Co-op Credit Card is a store credit card offered to REI members. It allows users to earn rewards, get exclusive discounts, and sometimes enjoy financing options on larger purchases.

Key highlights:

• Earn points on purchases at REI and on other purchases.
• Rewards can be redeemed for REI merchandise, gift cards, or even cash back depending on the card type.
• Special financing offers may be available for large gear purchases.

For frequent REI shoppers, the card is more than just a payment method—it’s a way to maximize your membership benefits.

Types of REI Credit Cards

There are a few versions of REI credit cards, but the main ones are:

1. REI Co-op Mastercard – Can be used anywhere Mastercard is accepted. Earns points both at REI and elsewhere.
2. REI Store Card – Typically limited to in-store or online REI purchases. Rewards and financing options are geared toward REI shopping.

Each card has its own reward structure, so it’s worth comparing them based on your spending habits.

Benefits of the REI Credit Card

Here’s what makes the REI credit card attractive:

1. Rewards on Purchases:
   You earn points for every dollar spent. Some cards give higher points for REI purchases compared to other purchases. For example, you might earn 5% back on REI purchases and 1% elsewhere.
2. Annual Dividend Boost:
   REI members earn an annual dividend (usually a percentage of your total eligible purchases at REI), which is like a loyalty bonus. Using the card can help increase the dividend.
3. Exclusive Offers:
   Cardholders sometimes get early access to sales, special promotions, or bonus points on seasonal items.
4. Financing Options:
   Some REI credit cards offer promotional financing for large outdoor gear purchases. This is helpful if you’re buying high-ticket items like tents, bicycles, or kayaks.
5. Global Mastercard Perks (if using Mastercard version):
   Depending on the card type, you may get purchase protection, extended warranty, travel insurance, and other benefits.

Who Should Consider the REI Credit Card?

• Frequent REI Shoppers: If you spend a lot at REI, the points and dividend benefits can add up quickly.
• Outdoor Enthusiasts: Those who regularly invest in hiking, camping, or cycling gear will find the rewards and financing options useful.
• Members Looking for Exclusive Deals: REI often gives cardholders early access to gear sales and special events.

Tips for Using the REI Credit Card Effectively

1. Pay Attention to Rewards Categories:
   Maximize points by using the card for REI purchases instead of just everyday spending.
2. Combine with REI Membership Benefits:
   Your annual dividend and card rewards can compound if you’re strategic about spending.
3. Check for Promotions:
   REI often runs seasonal bonus point promotions or limited-time offers. Timing purchases can get you more value.
4. Avoid High Balances:
   Like any credit card, interest can negate the rewards if you carry a balance. Always try to pay off the card monthly.
5. Keep Track of Points Expiry:
   Some points or rewards may expire. Make sure you redeem them regularly.

Potential Drawbacks

No credit card is perfect. Here are some considerations:

• Interest Rates: If you carry a balance, the APR can be high. Best for users who pay off in full each month.
• Limited Use (for store-only cards): If you get the store card instead of the Mastercard, you may only earn rewards at REI.
• Application Requirements: Good or excellent credit is usually required.

Real Experiences

I’ve personally used the REI Co-op Mastercard for the past two years:

• Reward Points: My points have added up nicely from regular REI purchases. I redeemed some for a high-quality backpack and a sleeping bag last winter.
• Annual Dividend: Using the card helped me get the maximum dividend payout last year.
• Customer Service: REI has always been responsive when I had billing questions.

Other forum members have shared that they particularly love using the card for seasonal gear sales, allowing them to save significantly on camping and hiking equipment.

FAQ About REI Credit Card

Q1: Do I need to be an REI member to get the card?
A: Yes, typically you must be an REI member to apply. Membership costs a one-time fee but comes with additional perks.

Q2: Can I use the card anywhere?
A: If you get the REI Co-op Mastercard, yes. Store cards are limited to REI purchases.

Q3: How do rewards work?
A: You earn points per dollar spent. The points can be redeemed for merchandise, gift cards, or used toward your REI annual dividend.

Q4: Is there an annual fee?
A: Most REI cards do not charge an annual fee, making them ideal for regular REI shoppers.

Q5: Can the card be used internationally?
A: The Mastercard version can be used worldwide, which is great if you travel and want to earn rewards outside REI.

Conclusion

The REI Credit Card is an excellent option for outdoor enthusiasts who shop regularly at REI. It offers rewards, exclusive deals, and financing options that make it easier to invest in high-quality outdoor gear.

If you’re someone who enjoys hiking, camping, or adventure sports, pairing this card with your REI membership can maximize your savings and rewards.

I’d love to hear from others:

• Have you used the REI credit card?
• Which benefits do you value the most?
• Any tips for maximizing points and dividends?

Let’s share experiences and help each other make the most of this card!