MASTERCARDMastercard World Elite
REI Co-op® Mastercard®
- Annual Fee
- $0
- gift card · Welcome Bonus
- $100
- Highest rate (conditional)
- Up to 5X (Rei)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World Elite
- Rewards Currency
- REI
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: $100 gift card
Earning Rates
- 5X
Rei
5% back on REI Co-op purchases (as REI gift card)
- 1.5X
All Other
1.5% back on all other purchases
Benefits & Perks
Insurance & Protections
1 protectionsComprehensive identity theft monitoring
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Reviews & Analysis
The Math: Is $0 Worth It?
First-year value includes $100 welcome bonus
Welcome bonus$100
Annual credits (60% utilization)$0
Annual fee-$0
Net first-year value+$100
Credit Utilization (60%)
Annual credits$0
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Membership required | Only REI Co-op members can apply; a lifetime membership costs $30 once. |
Payment Terms
| Purchase APR | 17.49%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | — | Issuer Page |
| Issuer Page | Issuer Page | |
| REI Co-op (co-brand partner) | — | REI Co-op (co-brand partner) |
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