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REI Co-op Mastercard card art

REI Co-op Mastercard

By Alex Compton · Last verified

5% back at REI on top of the 10% member dividend.

★ 7.3/10Capital OnepersonalREI Card Rewards
Offer recheck in progressBest for: REI members who buy gear every season

Welcome Bonus

Under review

Current claim suppressed

Spend Requirement

Under review

Annual Fee

Under review

Last recorded terms remain in the history below

Credit Score

670+

(Good)

Historical Offers Chart

Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.

Sign-Up Bonus (points)Spending Requirement ($)
03,7507,50011,25015,000$0$0.375$0.75$1.125$1.52022-012023-012024-012025-012026-01Sign-Up BonusSpending Requirement ($)
ObservedOfferRequirementWhat changedEvidence
2026-0610,000No recorded spendTerms reconfirmed$100 REI gift card after your first purchase outside REI within 60 daysArchive record · no attached snapshot
2022-0310,000No recorded spendEarliest record$100 REI gift card, Capital One relaunch offerArchive record · no attached snapshot

Primary-source verification log

Append-only evidence ledger

Event-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.

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Source checked 2026-06-10 · spot an outdated offer? Report a correction above.

Last Recorded Earning Rates

These terms are historical context and are not presented as current.

  • 5xREI purchases, including sale items
  • 1.5xAll other purchases

Last Recorded Credits

No statement credits, this card wins on earn rates, not coupons.

Last Recorded Benefits

Confirm availability and enrollment requirements with the issuer.

  • ✦5% card rewards stack with the annual 10% Co-op member dividend
  • ✦Rewards available for redemption within days, not annually
  • ✦No foreign transaction fees

Why it earns its spot

  • +Effective 15% back on full-price REI gear for members
  • +Easiest welcome bonus in the business: one purchase

Where it costs you

  • −1.5% everywhere else is unremarkable
  • −Rewards are REI-centric by design

The Compound Verdict

For an REI regular this is close to free gear: the dividend and card rewards stack into double-digit returns on every full-price purchase. If your REI runs are occasional, a 2% card earns more across your whole life.

Capital One application rules

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