Capital One
REI Co-op® Mastercard®
Cash BackNo Annual FeeNo Foreign Transaction FeesGood CreditExcellent Credit
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | $100 REI Gift Card |
| Rewards Rate | 1.5%-5% in card rewards |
| Regular APR | Purchase and Transfer APR: 17.49% - 28.49% variable APR. Cash Advance APR: 28.49% variable APR. |
| Other Fees | Transfer Fee: No Transfer Fee with this Transfer APR; 3% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater. |
| Network | Mastercard |
Read the full review
Best for those with
Good Credit
About this card
The REI Co-op Mastercard is a solid card for individuals who frequently shop at REI. The high rewards rate on REI purchases (5%) and the decent rate on all other purchases (1.5%) provide good value for REI loyalists. The absence of an annual fee and foreign transaction fees are significant advantages. Capital One backs the card, a reputable issuer, adding to the card's reliability. However, the limited redemption options (REI only) and the high APR range detract from its overall appeal. Considering these factors, a 3.6 rating reflects its strengths within its niche and the drawbacks that limit its broader appeal.
3.6
Overall Rating
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on specific purchases
- No annual fee
- No foreign transaction fees
- Cashback on purchases
Things to consider
- High regular APR
- Limited rewards categories
What this card offers
Sign-up bonuses
- $100 REI gift card after first purchase outside of REI within 60 days from account opening.
Rewards
- 5% in card rewards on REI Co-op purchases.
- 1.5% in card rewards on all other purchases.
Other features
- No foreign transaction fees
- $2 million annual donation
- Earn outside rewards. Redeem as you earn them.
- Rewards you can redeem even faster—as soon as they post to your account! Plus, your rewards won’t expire for the life of your account.
- Manage your card anytime, anywhere
- Card management Manage your account, access your virtual card, check your balance, and more with the award-winning Capital One Mobile App.
- Card lock Effortlessly lock your card with a few tabs if it has been misplaced, lost, or stolen.
- Autopay Schedule automatic payments so you never miss a payment.
- Rewards tracking View your rewards and see how close you are to earning even more.
- REI Co-op Mastercard cardmembers have access to Mastercard World Elite benefits.
Additional Notes
Credit Level: GOOD-EXCELLENT. Reviews not yet available.
Ratings
4.3
3.7
4
2.5
4.5