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

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

Which card earns more cash back, OnePay CashRewards Card or REI Co-op Mastercard?

The OnePay CashRewards Card earns 1.5% 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 OnePay CashRewards Card better than the REI Co-op Mastercard?

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

OnePay CashRewards 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 OnePay CashRewards 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

OnePay CashRewards Card

3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. Earns a solid 1.5% on everything else.

Annual fee: None Sign-up bonus: $35 after $0 spend in 1 months Foreign fees: 0%

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

Apply Now

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	OnePay CashRewards Card	REI Co-op Mastercard
Annual Fee	$0	$0
Sign-Up Bonus	$35 after $0 spend in 1 months	$100 after $1 spend in 2 months
Foreign Transaction Fee	0%	0%
Base Reward Rate	1.5%	1.5%
Rates with conditions not counted in the rows above	5% at Walmart with Walmart+ Earns 5% at Walmart only with a paid Walmart+ membership. Without it the rate is 3%, which is what the ranking uses.	None
Key Benefits	3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else.	5% back at REI and rei.com, 1.5% on everything else, with no annual fee and no foreign transaction fees.

The Verdict

These cards are closely matched across categories, so the winner comes down to your specific spending mix.

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.