Though the card charges a $0 annual fee, it requires a one-time $30 REI Co-op membership fee. Plus, rewards can only be redeemed with REI, which makes this card best for loyal REI shoppers.

And the revamped REI Co-op® Mastercard® gives members more reason to shop exclusively with the brand. Sure, it’s not as flexible or easy to use as a general cash-back card. But if you can ...