@ Matthew, who wrote, "As it relates to the REI Visa would there be any other benefits for a guy like me that never uses credit to have an REI Visa Card?"
Yes -- if there are things that you buy from REI. Say you spend $2,000 in grocery, gas, and other expenses every month, paying cash. If you charge them all to your REI VISA instead, then you get these benefits:
1. Fewer trips to your ATM machine -- you pay your REI VISA statement $2,000 just one time at the end of the month.
2. Simplifying... but you get $240 (1% of your annual charges) of FREE MONEY to buy gear/supplies at REI.
If you are going to shop at REI anyway, the better question is really, why not get an REI VISA card?
But even if you don't shop at REI -- you can always get a gas station credit card or an airline mileage credit card. You charge everything to the card and pay everything monthly. It costs you nothing (except for certain cards that charge an annual fee). And you get free cash back or free gas or free flights or whatever at the end!! Why not?
My own example -- I travel internationally, so I got myself an airline VISA card. It takes me 3 years of charging daily living expenses to accumulate enough miles for a round trip, business class ticket to Asia. My card also charges me $75 a year plus $70 when I redeem my miles. So, a business class ticket basically costs me $295, But do you know how much a ticket would cost me if I were to buy on my own? Around $6,200!
So, just by charging instead of paying cash for the stuff that I buy anyway... I basically get to buy a $6,200 ticket for just $295. Why not?
In conclusion, a credit card can be very worthwhile!! Pick the card whose return is going to be something that you will use -- like gear, or gas, or mileage, or hotel nights, etc., etc.