REI Co-op® Mastercard®
Issued by Capital One
Rates verified August 2026
Welcome Bonus
Earn a $100 REI gift card when you make your first purchase outside of REI within 60 days from account opening. Only co-op members can apply.
Rewards Rate
1.5x points · up to 5x on REI
Annual Fee
No annual fee
Recommended Credit Score
excellent
You'll be taken to the issuer's secure application
Rewards Program
1.5x points · up to 5x on REI
Welcome Offer
Earn a $100 REI gift card when you make your first purchase outside of REI within 60 days from account opening. Only co-op members can apply.
Annual Fee
No annual fee
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
None
Recommended For
REI
Why We Recommend This Card
5.0% on REI
Earn a $100 REI gift card when you make your first purchase outside of REI within 60 days from account opening. Only co-op members can apply.
No annual fee — keep more of what you earn
$50 annual credit toward REI Co-op Experiences
$50 annual credit toward REI Co-op Experiences
Classes, day trips or multiday outings led by outdoor experts to help ensure you get the most from your time outside.
Double card rewards during our annual event
Twice as much outside goodness! During our yearly event, you’ll earn double REI Co-op Mastercard rewards on REI Co-op purchases.
Network benefits (Mastercard) — 14 standard protections
Global emergency services
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Instacart
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer
Lyft
More rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer
Mastercard Golf
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Mastercard ID Theft Protection
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
Mastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer
Mastercard Transit Benefit
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Mastercard Travel
Browse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Peacock
Get $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer1
Priceless Experiences
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
Priority Pass
Get access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.
Protection wherever you shop
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
World Elite Concierge
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Direct to the Issuer
The Apply button takes you to Capital One's own application
Verify Current Terms
Confirm rates, fees, and the welcome offer on the issuer's page before applying
No Data Shared
We never see or handle your application information