Capital One
REI Co-op Mastercard
Cash back only
Annual fee
No annual fee
Welcome bonus
$100 REI gift card
Min spend
after your first purchase within 60 days
Recommended credit
Good (670+)
Offer last verified July 17, 2026. How we verify.
Earning rates
5% back in card rewards at REI, in store and online
1.5% back on everything else
The 10% annual Co-op member dividend still stacks on eligible REI purchases
Features & benefits
No annual fee
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the REI Co-op Mastercard lands.
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