10 Best Credit Cards for REI of October 2026
Top picks for REI from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at REI, after spend caps. Order can differ from that column because ranking adds the adjustments above.
REI Co-op® Mastercard® earns the top spot for REI purchases at 5.0¢ per dollar at rei — no annual fee. We ranked every card in our database against REI purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
REI Co-op® Mastercard®
Capital One
- +Official cobrand card — earns rewards on all purchases
- +5% cash back on Rei
- +$100 gift card bonus (~$100 value)
Bilt Palladium Card
Cardless
- +Est. $100/yr value — $200 of Bilt Cash
- +50,000 points bonus (~$1,000 value)
- +Est. $200/yr in usable credits offset part of the $495 fee — actual value depends on use and eligibility
Bank of America Customized Cash Rewards Credit Card
Bank of America
- +3% cash back on online shopping
- +$200 cash back bonus (~$200 value)
- +No annual fee
Why REI Co-op® Mastercard® wins for REI
REI Co-op® Mastercard® earns 5.0¢ per dollar at REI, the highest marginal rate in our list for this brand. Without an annual fee, the math is simple — every dollar you spend earns immediately. It's the right pick if you want maximum earn rate on this category and don't mind a focused rewards structure.
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Online Shopping Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| REI Co-op® Mastercard®Capital One | 5% cash back | 5.0¢/$ | $0 | — | mastercard |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.0¢/$ | $495 | $200 | mastercard |
| Bank of America Customized Cash Rewards Credit CardBank of America | 3% cash back | 3.0¢/$ | $0 | — | visa |
| Capital One Venture Rewards Credit CardCapital One | 2x Capital One Miles | 2.6¢/$ | $95 | $15 | mastercard |
| Capital One Venture X Rewards Credit CardCapital One | 2x Capital One Miles | 2.6¢/$ | $395 | $315 | visa |
| Blue Cash Everyday Card from American ExpressAmerican Express | 3% cash back | 3.0¢/$ | $0 | $42 | amex |
| Fidelity Rewards Visa Signature CardElan Financial | 2% cash back | 2.0¢/$ | $0 | $25 | visa |
| Citi Double Cash CardCiti | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Bank of America® Customized Cash Rewards SecuredBank of America | 3% cash back | 3.0¢/$ | $0 | — | visa |
| Chase Sapphire ReserveChase | 1x Ultimate Rewards | 1.8¢/$ | $795 | $1,063 | visa |
More Options
How to maximize value at REI
- Use REI Co-op® Mastercard® for REI purchases — it earns 5.0¢ per dollar at REI in our scoring.
- Shopping portals sometimes offer extra rewards at REI; check current portal rates before you buy.
- Pair REI Co-op® Mastercard® with Bilt Palladium Card to cover categories where it earns more — diversifying your spend can lift your blended return.
- Plan a major REI purchase around your card's welcome offer window — REI Co-op® Mastercard®'s sign-up bonus is worth roughly $100 on top of base rewards.
- Pay your statement in full each month — interest charges almost always exceed the rewards you'd earn.
Similar Brands
Other brands in Sporting Goods where the top picks above also earn well.
Other categories REI sits in
Frequently asked
- What credit card earns the most at REI?
- REI Co-op® Mastercard® ranks #1 for REI in our list at 5.0¢ per dollar at REI — no annual fee. Order uses the full scoring key described above the list (earn rate, redemption value, fee/credit balance, portals, and co-brand fit); welcome offers are not part of that default brand ranking.
- Does REI have a co-branded credit card?
- Yes — REI Co-op® Mastercard® is REI's co-branded card. See our REI Co-op® Mastercard® page for earn rates and fees.
- Can I stack a shopping portal with my credit card at REI?
- Shopping portals sometimes offer extra rewards at REI; check current portal rates before you buy.
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