Review
Capital One REI Co-op Mastercard Review: Earn Rewards on Outdoor Gear
If you're an REI Co-op member, the REI Co-op Mastercard could be your ticket to earning serious rewards on outdoor gear and everyday purchases. Get the lowdown on earning potential, perks, and whether it aligns with your spending habits.
Capital One
REI Co-op Mastercard
| Annual Fee | $0.00 |
| Regular APR | Purchase and Transfer APR: 17.99% - 28.99% variable APR. Cash Advance APR: 28.99% variable APR. |
| Rewards Rate | 1.5% - 5% Card Rewards |
| Sign-up Bonus | $100 REI gift card |
| 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. |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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...