Credit and Habit

Capital OnePersonal card

Capital One REI Co-op® Mastercard®

$0 annual fee Earn 5% in rewards on REI Co-op purchases and 1.5% on all other purchases.

AT A GLANCE

Credit card overview

Welcome offer

$100 REI gift cardafter your first purchase outside of REI within 60 days of account opening. Existing or prior REI Co-op Mastercard cardmembers are not eligible.

Card categories

  • No-Annual-Fee

What you get

Rewards and benefits

How it earns

You will earn 1.5% in REI Co-op Mastercard Rewards on all other purchases made outside of REI. Earnings will apply to net purchases (purchases minus any credits or returns) only. 2 You will earn 1.5% in REI Co-op Mastercard Rewards on all other purchases. Earnings will apply to net purchases only. Cash advances and balance transfers are not considered purchases and will not earn rewards. 10 During this event, you will earn an additional 5% (for a total of 10%) in REI Co-op Mastercard Rewards on net purchases (purchases minus any credits or returns) made at REI retail locations or REI.com with the REI Co-op Mastercard. Any additional rewards received through this offer will be posted to your account within 45 days after the promotion ends. You will earn 5% in REI Co-op Mastercard Rewards on net purchases (purchases minus any credits or returns) made at REI retail locations or REI.com. Purchases include full-price and discount-price items, REI gift cards, paid REI classes and events, services and fees. You will also earn 5% in REI Co-op Mastercard Rewards for donations made to the 501(c)(3) REI Cooperative Action Fund at REIfund.org or in-store at point-of-sale.

  • Earn 5% in rewards on REI Co-op purchases and 1.5% on all other purchases.

Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.

What it costs

Fees, rates and terms

Annual fee$0
Advertised credit profileGood-Excellent Credit

The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Capital One makes every lending decision.

Annual fee and first-year pricing
There is no annual fee associated with this card. The REI Co-op Mastercard is one of the World Elite Mastercard programs that has no annual fee, which adds even more value for our cardmembers.
Purchase APR
4 Purchase and Transfer APR: 17.49%-28.49% variable APR. Cash Advance APR: 28.49% variable APR. 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.
Cash advances and fees
4 Purchase and Transfer APR: 17.49%-28.49% variable APR. Cash Advance APR: 28.49% variable APR. 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.
Foreign transaction fee
No foreign transaction fees Avoid additional charges or fees while abroad or with foreign currency.
Redemption options and restrictions
When can I use rewards? Is there a minimum balance needed to redeem rewards? 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. 6 Rewards are earned and available for redemption when posted to your account (generally 1-2 business days after the purchase is posted). REI Co-op Mastercard Rewards are not available via cash or check. With the REI Co-op Mastercard, rewards won’t expire for the life of the account and your rewards can be redeemed as they're earned at REI, online or in-store.
Other conditions
$0 annual fee Earn 5% in rewards on REI Co-op purchases and 1.5% on all other purchases.

Recorded from Capital One’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.

Your call

Before you apply for the Capital One REI Co-op® Mastercard®

  1. Treat an eligible welcome offer as first-year value only, separately from ongoing rewards. Review spend requirements and account eligibility.
  2. Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.

Read the full application checklist →See how it fits your spending in Find My Card →

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