Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the REI Co-op® Mastercard® (no annual fee) and the U.S. Bank Cash+® Visa Signature® Card (no annual fee) comes down to where you spend most. Neither card has an annual fee, so it comes down to where you spend: REI Co-op Mastercard earns more on dining, gas, flights, hotels, other travel and other purchases, U.S. Bank Cash+ on groceries. Enter your monthly spending above to see which comes out ahead for you.
5% back at REI and rei.com, 1.5% on everything else, with no annual fee and no foreign transaction fees. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in groceries at 2%. 5% on two chosen categories up to $2,000/quarter, 2% on one everyday.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | REI Co-op Mastercard | U.S. Bank Cash+ Visa Signature Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $100 after $1 spend in 2 months | $200 after $1,000 spend in 90 days |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1.5% | 1% |
| Groceries Rewards | 1.5% | 2% |
| Rates with conditions not counted in the rows above |
None |
5% on prepaid travel through the U.S. Bank Travel Center Earns 5% only on prepaid hotels and car rentals booked through the U.S. Bank Travel Center. Travel booked anywhere else earns 1%. |
| Key Benefits | 5% back at REI and rei.com, 1.5% on everything else, with no annual fee and no foreign transaction fees. | 5% on two chosen categories up to $2,000/quarter, 2% on one everyday. |
REI Co-op Mastercard pulls ahead for travel, dining, gas spending.
U.S. Bank Cash+ Visa Signature Card wins on groceries.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.