Capital One
REI Co-op Mastercard
Cash BackNo Annual FeeGood CreditExcellent CreditNo Foreign Transaction FeesFlat-Rate Rewards
Key Features
| Annual Fee | $0.00 |
| Regular APR | Purchase and Transfer APR: 17.99% - 28.99% variable APR. Cash Advance APR: 28.99% 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 with a few key strengths and weaknesses. Its reputation is strong within its target niche, and it's issued by a reputable institution (Capital One). The rewards program is compelling for REI shoppers, offering 5% back on REI purchases and 1.5% on all other purchases, plus a decent sign-up bonus. The fee structure is also attractive, with no annual fee or foreign transaction fees. However, the high APR range and limited reward redemption options (only at REI) hold it back. For those who frequently shop at REI, this card is a good choice. Its APR and limited redemption hurt its overall versatility.
3.5
Overall Rating
Pros & Cons
What's great
- Generous sign-up bonus
- No annual fee
- No foreign transaction fees
- Rewards on purchases
Things to consider
- High regular APR
- Cash advance fee
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
- Avoid additional charges or fees while abroad or with foreign currency.
- 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.
- You can use your card anywhere Mastercard credit cards are accepted.
- 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.
Additional Notes
Credit Level: GOOD-EXCELLENT. Rewards won’t expire for the life of your account.
Ratings
4.1
3.8
3.8
2.8
4.5