Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Up to 5X (Rei)
Highest rate (conditional)
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
REI
Credit Required
Excellent
Bonus: $100 gift card
Spend: $1
Period: 2 months
Benefits & Perks
Up to
$126
in recurring credits (annual)
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
$10/mo Instacart+
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$5 Lyft + airport savings
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
$50 REI experiences credit
—
Annual
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$75.60
Annual Fee
-$0
Net Annual Value
+$75.60
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | — | Issuer Page |
Classes, day trips or multiday outings led by outdoor experts to help ensure you get the most from your time outside.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
