Credit Cards

REI Co-op® Mastercard®

Choose outside every day with the REI Co-op® Mastercard®—just for REI Co-op members.

Checking your eligibility lets you see offers with no credit score impact.

Check My EligibilityApply Now
View important rates and disclosures
Credit Level: GOOD-EXCELLENT
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REI Co-op® Mastercard®

Choose outside every day with the REI Co-op® Mastercard®—just for REI Co-op members.

Checking your eligibility lets you see offers with no credit score impact.

Check My EligibilityApply Now
View important rates and disclosures
Good-excellent Credit
Reviews not yet available
BENEFITS THAT FIT YOUR OUTSIDE LIFE

5% in card rewards

on REI Co-op purchases. 1

1.5% in card rewards

on all other purchases. 1

$100 REI gift card

after first purchase outside of REI within 60 days from account opening. 1

$0 to use or maintain the card. 1

Avoid additional charges or fees while abroad or with foreign currency. 1

$2 million annual donation

The REI Co-op Mastercard program proudly gives to the REI Cooperative Action Fund,
a nonprofit creating a more equitable outdoors. 2

See how quickly your rewards can add up

Earn outside rewards. Redeem as you earn them. 3

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.

$200
$0$5,000
$1,300
$0$5,000

You could bring home $816 in rewards this year!

Plus, your annual Co-op Member Reward amount (typically 10% on eligible full-price REI purchases). 4

Manage your card anytime, anywhere 5 6
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.

FREQUENTLY ASKED QUESTIONS

You can use your card anywhere Mastercard credit cards are accepted.

  1. 1
  2. 2
    The 501(c)(3) REI Cooperative Action Fund makes grants to nonprofits creating a more equitable outdoors. REI may change the benefit or named charity in future years. For details about the REI Cooperative Action Fund, please see REIfund.org.
  3. 3
    Rewards are earned and available for redemption when posted to your account (generally 1-2 business days after the purchase is posted).
  4. 4
    10% Co-op Member Reward is typical but not guaranteed. Your Co-op Member Reward is based on eligible net qualified purchases, which exclude REI Outlet items, sale, clearance, discounted items, used gear, gift cards, paid REI classes and events, shipping charges, service fees (e.g., rentals, labor, shop services), membership fee, REI Cooperative Action Fund donations, postage, event tickets,  passes or registrations, government agencies and sales tax.
  5. 5
    Some activity may continue, including returns, credits, payments, interest, dispute adjustments, other account fees, purchase transactions during system downtime and certain other exempted transactions.
  6. 6
    Web access is needed to use the mobile app. Check with your service provider for details on specific fees and charges.
  7. 7
    Changing the name as it appears on your credit card will not change the legal name on your account or your responsibility for your account. We will continue to use your legal name on statements and other communications and for identity verification purposes. Update your card by calling 844-480-5934.