Which card has a lower annual fee, Gemini Credit Card or REI Co-op Mastercard?

The Gemini Credit Card has no annual fee, compared to $0 for the REI Co-op Mastercard.

Which card earns more cash back, Gemini Credit Card or REI Co-op Mastercard?

The Gemini Credit Card earns 1.0% base cash back, while the REI Co-op Mastercard earns 1.5%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Gemini Credit Card better than the REI Co-op Mastercard?

It depends on your spending. If you spend more on categories where the Gemini Credit Card offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Gemini Credit Card vs REI Co-op® Mastercard®: Which Card Wins for Your Spending?

Which earns more for you?

Travel ($)

Dining ($)

Groceries ($)

Gas ($)

Special ($)

Other ($)

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 Gemini Credit Card (no annual fee) and the REI Co-op® Mastercard® (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.

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Meet the Contenders

Gemini Credit Card

Strongest in gas at 4% (up to $3,600/yr). 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries.

Annual fee: None Foreign fees: 0%

Perfect if: You want solid rewards without paying an annual fee.

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REI Co-op Mastercard

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.

Annual fee: None Sign-up bonus: $100 after $1 spend in 2 months Foreign fees: 0%

Perfect if: You want solid rewards without paying an annual fee.

Apply Now

Head-to-Head Comparison

Feature	Gemini Credit Card	REI Co-op Mastercard
Annual Fee	$0	$0
Sign-Up Bonus	None	$100 after $1 spend in 2 months
Foreign Transaction Fee	0%	0%
Base Reward Rate	1.0%	1.5%
Dining Rewards	3%	1.5%
Groceries Rewards	2%	1.5%
Gas Rewards	4% (up to $3,600/yr)	1.5%
Key Benefits	4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries.	5% back at REI and rei.com, 1.5% on everything else, with no annual fee and no foreign transaction fees.

The Verdict

Gemini Credit Card pulls ahead for dining, groceries, gas spending.

REI Co-op Mastercard wins on travel.

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.