Which card has a lower annual fee, REI Co-op Mastercard or U.S. Bank Cash+ Visa Signature Card?

The REI Co-op Mastercard has no annual fee, compared to $0 for the U.S. Bank Cash+ Visa Signature Card.

Which card earns more cash back, REI Co-op Mastercard or U.S. Bank Cash+ Visa Signature Card?

The REI Co-op Mastercard earns 1.5% base cash back, while the U.S. Bank Cash+ Visa Signature Card earns 1.0%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the REI Co-op Mastercard better than the U.S. Bank Cash+ Visa Signature Card?

It depends on your spending. If you spend more on categories where the REI Co-op Mastercard offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

REI Co-op® Mastercard® vs U.S. Bank Cash+® Visa Signature® Card: 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 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. 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

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

U.S. Bank Cash+ Visa Signature Card

Strongest in groceries at 2%. 5% on two chosen categories up to $2,000/quarter, 2% on one everyday.

Annual fee: None Sign-up bonus: $250 after $1,000 spend in 90 days Foreign fees: 3%

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

Apply Now

Head-to-Head Comparison

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	$250 after $1,000 spend in 90 days
Foreign Transaction Fee	0%	3%
Base Reward Rate	1.5%	1.0%
Groceries Rewards	1.5%	2%
Rates with conditions not counted in the rows above	None	5% on prepaid travel 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.

The Verdict

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.