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REI Co-op 650 Down Full-Loft Jacket (Women's) Review

Jenny Abegg author bio
ByJenny Abegg
Oct 19, 2026
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Our Take:
4.3/5
Certified

The REI Co-op 650 Down Full-Loft builds off REI's proven 650 Down lineup with an overstuffed build that earns its place in both a backcountry kit and a casual cold-weather rotation. It handles temperatures down to the mid-20s, moves freely even when layered, and carries the large-baffled aesthetic that's become a staple in urban winter wear—all for $199. For all-out warmth and durability, a more purpose-built casual jacket will serve you better, but if you want versatile performance across a range of environments at a price that's hard to argue with, the 650 Down Full-Loft is a strong pick.

Warmth

Warmth

3/5
Comfort

Comfort

4/5
Weather Protection

Weather Protection

2.5/5
Features

Features

2.5/5
Durability

Durability

2.5/5
Sustainability

Sustainability

5/5

Weight

1 lb. 5.2 oz.

Insulation

650-fill down

Waterproofing

None

Fabric

Polyester

Back Length

27.5 in.

Pros

A great value at just $199.
Balanced warmth and features for both backcountry and casual use.
More coverage and layering room than most weight-conscious down jackets.

Cons

Not as durable as most casual winter jackets.
Weight-conscious build isn’t as warm as most winter jackets.
Stripped-down feature set, including no wrist gaskets.

For this season's top models, see our guides to the Best Women's Winter Jackets.

The REI Co-op 650 Down Full-Loft Jacket is a capable everyday and backcountry jacket for temperatures in the mid-20s to mid-40s. I wore it on an October backpacking trip in the Enchantments outside of Leavenworth, Washington, where evenings and early mornings dropped into the high 30s. Layered over a midweight base layer and fleece, it kept me warm and comfortable. And at $199, it performed the same job as my colleague's Patagonia Fitz Roy Down Hoody, which costs twice as much. Of course, the 650 Down Full-Loft is not as warm or packable as the Fitz Roy, but for casual use or a shoulder-season backpacking trip, it more than holds its own.


REI doesn't publish a fill weight for the 650-fill-power down, which makes direct comparison with other winter jackets tricky. Based on time in a number of women's down puffers, though, I can offer some anecdotal context: the Columbia Amaze Puff and Quince Responsible Down Puffer are both noticeably warmer—warm enough that I have to pull them off the moment I walk inside. On the other hand, jackets like the Patagonia Down Sweater and Cotopaxi Fuego are noticeably less warm. The Full-Loft sits comfortably in the balanced warmth zone for around-freezing temperatures.

A few features support the jacket’s warmth. Elastic cuffs seal neatly against glove cuffs, and the hem cinches on both sides with one-handed pull tabs. I was surprised the hood had no adjustment, but the fit is excellent regardless, with an elastic rim around the face opening that keeps the gap minimal while still making it easy to put on and take off.

One of the highlights of the REI Co-op 650 Down Full-Loft is its mobility. Its midweight build is substantial enough to feel warm, but light enough that it never feels like a burden. I experienced zero restriction anywhere, even layered over a midweight base layer and fleece in my normal size small. That’s a breath of fresh air compared to some winter jackets, especially parka-length styles that tend to bind around the hips or shoulders.


A few comfort refinements are missing, which points to the jacket's backcountry intentions over pure casual use. The face fabric and liner are soft but not luxurious, the hand pockets aren't fleece-lined, and there's no fleece chin patch. Coming from a more lifestyle-oriented down jacket, you'll notice the difference.

The 650 Down Full-Loft has no waterproof membrane, but features a PFAS-free DWR finish that does a respectable job shedding light moisture. I wore it with confidence during dewy fall evenings in the Enchantments. While obvious drops collected on the trees around me, the DWR kept surface moisture from settling into the fabric. I would also happily wear the jacket in falling snow, assuming it’s of the dry variety. In a real rainstorm or sustained wet snowfall, though, I'd reach for a waterproof shell.


Wind protection is similarly limited, as you'd expect from any baffled down jacket. The hip-length cut can be cinched down to guard against a light breeze, but in genuinely gusty weather you’ll feel exposed around the waist and lower body. A longer parka is the better call for those conditions.

The 650 Down Full-Loft's feature set is simpler than most casual winter jackets, which again points to its backcountry intentions. Although the lower rating may seem like a downside, keep in mind that a simpler feature set isn’t always a bad thing—fewer features make for a cleaner jacket that moves easily between casual and backcountry use.

The hood is fixed with no adjustment system—fine for fit, as noted above, but a departure from what most casual winter jackets offer. What’s more, it has no wrist gaskets (standard on many winter jackets, including the Columbia Amaze Puff and Quince Responsible Down Puffer) and no chest pocket. On the plus side, you get two handwarmer pockets, two internal drop pockets sized well for gloves or a hat, and a hem cinch on each hip. While the 650 Down Full-Loft’s feature set is far from lavish, I find it very functional.

REI has a long track record of threading the needle between quality and price, and this jacket is a good example. The construction feels solid and well-considered—not quite at the level of Patagonia or Arc'teryx, but better than what you'd expect at $199. Mine came through a fall backpacking trip in great shape despite being stuffed in and out of my pack daily, used as a pillow on cold nights, and worn through frosty mornings on the trail.


The 650 Down Full-Loft is not as abrasion-resistant as casual winter jackets with a harder face fabric, like the Patagonia Jackson Glacier or REI Co-op Stormhenge 850, and its shell is thinner than close competitors like the Columbia Amaze Puff and Uniqlo Seamless Down Parka. For a strictly everyday jacket, something with a thicker face fabric might serve you better. For backcountry use, though, it's on par with or more durable than most weight-conscious options.


The Cloud White colorway does give me pause. I'm hard on gear, and PFAS-free DWR—while better for the environment—is less of an all-out barrier against dirt than its predecessors. So far it's holding up with minimal accumulation even in high-contact areas like the cuffs and collar, which honestly surprises me. I like the look of the white, but given how I use my gear, I'd have chosen a darker color if I had the choice.

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Longevity

Choosing durable outdoor gear and keeping it in use for longer is one of the best ways to reduce environmental impact. Our proprietary longevity rating assesses factors like overall build quality, materials, fabric denier, component durability, and real-world performance. A green check indicates that we expect the product to be long-lasting relative to its peers, a yellow check mark indicates average longevity, and a red X indicates a product that may have a limited lifespan.

Tester: 5’5” 135 lb.
Size tested: Women's small


I almost always wear a women's small in jackets, though lately I've found some to run trimmer than I'd like. Not so with the REI 650 Down Full-Loft. The 27.5-inch center back length falls below the hips—welcome coverage for winter temperatures—and there was plenty of room to layer a midweight base layer and fleece underneath without an iota of restriction. The overall cut is generous, and it offers more coverage below the belt than a bomber-style jacket or most performance-oriented down jackets. All that said, I wouldn't recommend sizing down; just be aware the jacket is meant to have a slightly oversized fit.

Columbia Amaze Puff ($220): Warmer, With a Bomber Cut
Though they’re both categorized as down jackets, the Amaze Puff is firmly casual, with no backcountry pretensions. It's warmer, softer, and more feature-rich than the 650 Down Full-Loft, with wrist gaskets, fleece-lined hand pockets, a zipper patch at the chin, and a removable hood. The tradeoff is weight: at 1 pound 14.4 ounces, it's considerably heavier, and at 23 inches of back length it's also shorter, leaving more of the lower back exposed. If you're building a cold-weather kit for town use and want maximum warmth and comfort for the price, the Amaze Puff is the stronger choice. If you need something packable enough to carry in a daypack or pull double duty in the backcountry, stick with the 650 Down Full-Loft. For more, read our review of the Columbia Amaze Puff.

REI Co-op Campwell Down Parka ($239): REI Goes Full Casual
Both the 650 Down Full-Loft and the Campwell are in-house REI jackets, but the Campwell is strictly for around-town use. It offers parka-length coverage (36.5 inches of back length versus 27.5) and leans into a casual aesthetic—a front flap over the zipper, shoestring-style hood adjusters, and knit cuff gaskets at the wrists. It also places 120-gram synthetic fill in the lower body and hood for better wet-weather resilience, which pays off when you're sitting on a damp bench at the local brewery or making a dash through wet snowfall. But unlike the 650 Down Full-Loft, it ends up feeling very budget and particularly lacks the refined fit of more premium down parkas. For a deeper dive, read our Campwell Down Parka review.

REI Co-op 650 Down Full-Loft ($199)
Collar zipped to chin in REI Co-op 650 Down Full-Loft Jacket
4.3/5

Want one winter jacket that fits the part both in town and in the backcountry? The versatile REI Co-op 650 Down Full-Loft Hoody delivers that much-sought-after oversized puffy look at a low price point. Just beware—it’s not quite on the same warmth level as most casual winter puffies.

Weight
1 lb. 5.2 oz.
Insulation
650-fill down
Waterproofing
None
Fabric
Polyester
Back Length
27.5 in.
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Warmth

3/5
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Comfort

4/5
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Weather Protection

2.5/5
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Features

2.5/5
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Durability

2.5/5
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Sustainability

5/5
Columbia Amaze Puff Hooded ($220)
Walking hands in pockets of the Columbia Amaze Puff women's winter jacket
4.6/5

The Amaze Puff is a surprisingly refined, comfortable winter jacket that showcases Columbia’s recent resurgence, pairing commendable warmth and durability with a laid-back, everyday fit. While it’s best reserved for dry, cold conditions, its standout comfort and approachable price make it one of the most compelling lifestyle jackets we’ve tested.

Weight
1 lb. 14.4 oz.
Insulation
650-fill down
Waterproofing
None
Fabric
Nylon
Back Length
23 in.
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Warmth

3.5/5
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Comfort

5/5
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Weather Protection

2.5/5
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Features

3.5/5
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Durability

3.5/5
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Sustainability

2.2/5
REI Co-op Campwell Down Parka ($239)
Side profile of the REI Co-op Campwell Parka women's winter jacket
4.4/5

The REI Co-op Campwell Down Parka won't turn heads, but it'll keep you warm through winter without ever making you think twice about throwing it on. It's unrefined in the best possible way—comfortable, durable, and surprisingly capable for a jacket at this price point.

Weight
2 lb. 2.9 oz.
Insulation
650-fill down, 120g synthetic
Waterproofing
None
Fabric
Nylon
Back Length
36.5 in.
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Warmth

4/5
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Comfort

4/5
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Weather Protection

2.5/5
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Features

3/5
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Durability

4/5
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Sustainability

4.5/5

Is the 650 Down Full-Loft for You?

If you want one winter jacket that you can take to the backcountry and wear every day in town, the REI Co-op 650 Down Full-Loft is a real standout—at about half the price of many competitors. Building on the success of REI’s lightweight 650 Down, it captures that large-baffled, overstuffed silhouette popularized by jackets like The North Face’s Nuptse and Patagonia Fitz Roy and puts it into an affordable $199 package. While it’s tempting to compare the 650 Down Full-Loft to casual jackets like the Columbia Amaze Puff, keep in mind it's not quite as warm or abrasion-resistant as most purpose-built casual jackets, and its stripped-down feature set means no wrist gaskets and no removable hood. But if you like the look of a more technical down puffy for around-town use or are in the market for a midweight down jacket for backpacking, the 650 Down Full-Loft delivers strong value and versatility.