Review
Capital One REI Co-op® Mastercard® Review: Top Rewards for Outdoor Gear
If you're an REI member, the REI Co-op® Mastercard® could be your ticket to saving big on outdoor gear. Earn 5% back at REI and 1.5% on everything else, plus score a $100 gift card!
Capital One
REI Co-op® Mastercard®
| 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. |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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...