REI Co-op Mastercard® from Capital One Review

REI Co-op Mastercard® from Capital One — all information about the credit card.

Capital One REI Co-op Mastercard®
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Our Rating:
4.03 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on purchases at REI.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $100 After your first purchase outside of REI within 60 days of account opening, you’ll earn a $100 REI gift card.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    19.24% - 30.24% Variable
  • Balance Transfer APR:
    19.24% - 30.24% Variable
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Capital One REI Co-op Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5%
REI purchases
$
1%
All other purchases
$
Have you already recieved the Capital One intro bonus?
Calculate
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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

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • 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
  • Fees for Cash Advances
    • Either $3 or 3% of the amount of each cash advance, whichever is greater
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • No Foreign Transaction Fee
Cons:
  • No Intro APR period

Features

Classic
Mastercard
  • 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

About the issuer

Capital One has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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    Purchase Intro APR
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    Regular APR
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    Cash Back on every purchase.
  • None
    Purchase Intro APR
Learn more
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Capital One REI Co-op Mastercard® is an option for those, who need Classic features. With an APR of 19.24% - 30.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Capital One REI Co-op Mastercard® you will get such features as No Annual Fee, No foreign transaction fees, Cashback, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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