REI Co-op Mastercard 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

REI Co-op Mastercard4.0/5

Capital One

Annual fee
$0
Rewards rate
5%-1.5%
Welcome Bonus
$100
Apply Now →on Capital One's website
Regular APR:17.49%-28.49% Variable APR

  • 5%Rewards on REI Co-op purchases
  • 1.5%Rewards on all other purchases

Welcome Bonus:

Earn a $100 REI gift card by making your first purchase outside of REI within 60 days of account opening.

Reward Rate:

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

APR:

17.49%-28.49% Variable APR

The REI Co-op Mastercard is a fantastic choice for outdoor enthusiasts, offering 5% back on REI purchases and a generous welcome bonus. Its unique rewards structure is tailored for those who frequently shop at REI, making it a valuable addition to their wallet.

Pros:

  • No annual fee
  • High rewards on REI purchases

Cons:

  • Requires REI membership
  • Limited redemption options
Apply now →

The REI Co-op Mastercard is well-suited for individuals who frequently shop at REI and are looking to maximize rewards on outdoor-related purchases. With no annual fee and a competitive rewards structure, it offers significant benefits for dedicated outdoor enthusiasts while providing a straightforward option for those seeking to earn rewards on their spending.

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