The REI Co-op^® Mastercard^®

Earn a $100 REI gift card when you make your first purchase outside of REI within 60 days from account opening. Existing or previous REI Co-op Mastercard cardholders will not be eligible for this one-time gift card. Once you qualify, you will be sent an e-gift card if we have a valid email address on file. Otherwise, a physical gift card will be sent to the primary account holder’s address within 6-8 weeks.

You will earn 5% in REI Co-op Mastercard Rewards on net purchases (purchases minus any credits or returns) made at REI retail locations and REI.com. Purchases include full-price and discount-price items, REI gift cards, 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.

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.

Rewards are earned and available for redemption when posted to your account (generally 1-2 business days after the purchase is posted).

The APR may vary and as of 02/02/2026, the variable APR for Purchases and Balance Transfers is 17.49%, 24.49%, or 28.49%, based on your creditworthiness. Cash Advance APR: 28.49% variable. Balance Transfer Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer you, none for balances transferred at the Transfer APR. Cash Advance Fee: greater of 5% of the advance amount or $5. No foreign transaction fees during international travel means that you can use your card for hotels, meals and mementos.

You will earn a $50 account credit when you use your card for REI classes (excludes rentals). The credit will be applied to your account within 6-8 weeks from time of purchase. This benefit is limited to one account credit per calendar year.

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.

The 501(c)(3) Fund makes grants to nonprofits that promote justice, equity and belonging in the outdoors. REI may change the benefit or named charity in future years. For details about the REI Cooperative Action Fund, please see REIfund.org.

10% Co-op Member Reward is typical but not guaranteed. Co-op Member Reward is based on eligible purchases, excluding portion of purchase(s) made with Promotional Reward and Promotional Checks. Co-op Member Reward not available on REI Outlet items, sale, clearance, discounted items, used gear, gift cards, REI classes and events, Intrepid Travel, 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. Co-op Member Reward may be composed of a Patronage Dividend (governed by Co-op Bylaws), a Promotional Reward (governed by Membership Terms and Conditions), or a combination of both. Visit Membership Terms and Conditions for details.

Your Total REI Rewards are comprised of your annual Co-op Member Reward and your earned REI Co-op Mastercard Rewards (if you're an REI Co-op Mastercard holder).

Terms apply. The REI Co-op Mastercard is issued by Capital One, N.A. pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. REI and the REI Co-op logo are trademarks of Recreational Equipment, Inc. © 2026 Recreational Equipment, Inc. All rights reserved.