REI Co-op Mastercard® from Capital One Review

All benefits

• Cash back
  • 5% On purchases at REI.
  • 1% On all other purchases.
• Travel
  • Travel Assistance Services:
  • Provides pre-trip destination information, emergency medical and legal referrals, tracing of lost luggage, and more.
  • MasterRental Coverage:
  • Pays for damages to a rental vehicle due to collision, theft, vandalism, or accidental fire when the cardholder initiates and pays for the entire rental transaction with the eligible MasterCard card.
  • Lost or Damaged Luggage:
  • Reimburses cardholders when luggage they check in for travel on a common carrier is delayed or lost in transit. Benefits are in excess of the common carrier’s liability insurance. Assistance to locate lost luggage is also available.
  • Lounge Key Airport Lounge Access:
  • Airport lounge access provided by Lounge Key is available to all eligible U.S. World Elite Mastercard cardholders.

Rate and fee information

• Purchase Intro APR
  • None
• Purchase APR
  • 19.24% - 30.24% Variable
• Intro Balance Transfer APR
  • None
• Balance Transfers APR
  • 19.24% - 30.24% Variable
• APR for Cash Advances
  • 30.24% Variable
• How to Avoid Paying Interest
  • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on new purchases, provided you have paid your previous balance in full by the due date each month. You will be charged interest on cash advances and balance transfers on the transaction date.

Fees

Pros & Cons

Features

• No Annual Fee
• No foreign transaction fees
• Cashback
• Rewards
• Purchase Protection
• Extended Warranty Protection
• Lost Luggage Reimbursement
• Auto Rental Insurance
• 24/7 Travel Assistant
• Airport Lounge Access
• Good Credit
• Excellent Credit