REI Co-op Mastercard

The REI Co-op Mastercard is a strong fit for regular REI shoppers, earning 5% back at REI stores and on REI.com with no annual fee. Unlike many store cards, it also earns a respectable 1.5% on everything else and charges no foreign transaction fee, so it can stay useful on trips and for general spending. The welcome offer is a $100 REI gift card after your first purchase outside REI within 60 days, which is about as easy as a bonus gets, though it is only spendable at REI. There are no other bonus categories and no intro APR, and the regular APR runs up to 28.49%, so pay in full. If you buy outdoor gear often, it is an easy card to justify; if not, a flat-rate card that pays 2% will serve you better.