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 Wells Fargo Active Cash® Card (no annual fee) comes down to where you spend most. Neither card has an annual fee, and Wells Fargo Active Cash Card earns at least as much as REI Co-op Mastercard in every category, more on dining, groceries, gas, flights, hotels, other travel and other purchases. 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 NowUnlimited 2% cash rewards on all purchases with no categories to track. Earns a solid 2.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | REI Co-op Mastercard | Wells Fargo Active Cash Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $100 after $1 spend in 2 months | $100 after $500 spend in 3 months |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1.5% | 2% |
| Key Benefits | 5% back at REI and rei.com, 1.5% on everything else, with no annual fee and no foreign transaction fees. | Unlimited 2% cash rewards on all purchases with no categories to track. |
Wells Fargo Active Cash Card wins on travel, dining, groceries, gas.
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.