If you own an REI Co-op Mastercard or are considering applying for one, understanding how to manage your account online can make the experience easier. The REI Capital One Credit Card allows eligible REI members to earn rewards on outdoor gear, everyday purchases, and other qualifying transactions.
Through rei.capitalone.com, cardholders can sign in to their Capital One accounts, register for online access, activate their cards, review account information, and manage payments.
The REI Co-op Mastercard also offers valuable benefits for outdoor enthusiasts, including 5% in rewards on eligible REI purchases, 1.5% on other purchases, and no annual fee.
Whether you’re shopping for camping equipment, hiking boots, cycling accessories, or everyday essentials, this guide explains how the card works.
You’ll learn how to access your account, make payments, redeem rewards, troubleshoot login problems, and determine whether the REI Capital One Credit Card is right for you.
What Is the REI Capital One Credit Card?
The REI Capital One Credit Card, officially called the REI Co-op Mastercard, is a rewards credit card issued by Capital One in partnership with Recreational Equipment, Inc., commonly known as REI.
The card is designed for REI Co-op members who want to earn additional rewards on their purchases.
Capital One and REI introduced their credit card partnership in August 2022, replacing the previous card arrangement with a new rewards program.
The Mastercard provides benefits for customers who regularly purchase outdoor equipment, clothing, travel accessories, and other products.
Some of its main features include:
- 5% in rewards on eligible REI purchases
- 1.5% in rewards on other eligible purchases
- No annual fee
- No foreign transaction fees
- A promotional $100 REI gift card for qualifying new cardholders
- Rewards that do not expire while the account remains active
- Online and mobile account management
- Additional benefits for eligible REI experiences and activities
The card is available to qualifying REI Co-op members, subject to credit approval.
REI Capital One Credit Card Overview
The following table summarizes important information about the card and its online account services.
| Feature | Details |
|---|---|
| Credit card name | REI Co-op Mastercard |
| Card issuer | Capital One |
| Retail partner | REI Co-op |
| Payment network | Mastercard |
| Official account website | rei.capitalone.com |
| REI purchase rewards | 5% |
| Other purchase rewards | 1.5% |
| Annual fee | $0 |
| Foreign transaction fee | $0 |
| Current welcome offer | $100 REI gift card after qualifying first purchase outside REI |
| Welcome offer deadline | Within 60 days of account opening |
| Rewards expiration | No expiration while the account remains active |
| Online account management | Available |
| Mobile account access | Capital One mobile app |
| Customer service | 844-480-5934 |
Benefits and promotional terms are subject to change. Review Capital One’s current disclosures before applying.
How to Access REI.CapitalOne.com
The official REI Capital One account portal is available at:
This website provides a convenient starting point for existing cardholders who want to manage their accounts.
The page offers options to sign in, set up online access, and recover forgotten login credentials.
To access your account:
- Open your preferred web browser.
- Visit rei.capitalone.com.
- Select Sign In if you already have a Capital One online account.
- Enter your Capital One username and password.
- Complete any required security verification.
- Open your REI Co-op Mastercard account.
Once signed in, you can access the account-management features available through Capital One.
If your REI Mastercard does not appear, you may need to link it to your existing Capital One online profile.
How to Register Your REI Capital One Credit Card Online
New cardholders must establish online access before managing their credit card through the website.
Fortunately, Capital One provides a registration option directly from the REI Mastercard portal.
Step 1: Visit the Official Portal
Open https://rei.capitalone.com/.
Step 2: Select Set Up My Account
On the homepage, locate the section for customers who do not have a Capital One online account.
Select Set Up My Account.
Step 3: Verify Your Identity
Follow Capital One’s identity-verification instructions.
The registration process may request information such as your name, date of birth, and Social Security number.
Only provide sensitive information through Capital One’s verified website or official mobile application.
Step 4: Create Login Credentials
Follow the instructions to establish your username and password.
Choose a strong password that you do not use on other websites.
Step 5: Complete Registration
Finish any additional verification steps required by Capital One.
After successful registration, you should be able to sign in and manage your eligible credit card accounts.
How to Activate Your REI Co-op Mastercard
If you’ve recently received a new or replacement REI Capital One Credit Card, you may need to activate it before making purchases.
Capital One provides card activation options through its online account services.
To get started:
- Visit rei.capitalone.com.
- Sign in or register for online access.
- Locate your REI Co-op Mastercard account.
- Follow the available card activation instructions.
- Complete any required identity verification.
- Confirm that the card is ready to use.
You may also be able to activate your card through the Capital One mobile app.
If you cannot locate the activation option, follow the instructions that arrived with your physical card.
Never share your card number, password, or verification codes with an unsolicited caller.
How to Make an REI Capital One Credit Card Payment
Paying your REI Mastercard bill on time helps you avoid unnecessary late fees and maintain a positive payment history.
Capital One provides online payment options for eligible credit card accounts.
Make a Payment Online
Follow these steps:
- Visit rei.capitalone.com.
- Select Sign In.
- Enter your account credentials.
- Choose your REI Co-op Mastercard.
- Locate the payment option.
- Select the amount you want to pay.
- Choose an available payment account.
- Review and submit your payment.
After submitting the payment, review the confirmation details and keep a record for your reference.
Payment posting times may depend on the submission date, payment method, and Capital One’s processing rules.
Set Up Automatic Payments
Automatic payments can help reduce the risk of missing a due date.
Through your Capital One account, look for the AutoPay or automatic payment settings.
Depending on the options available, you may be able to schedule recurring payments for the minimum amount due, statement balance, or another permitted amount.
Make sure your linked bank account contains sufficient funds before the scheduled withdrawal.
Other Payment Options
Capital One may also provide payment options through its mobile app, telephone services, or mailed payments.
For payments by mail, use the current remittance address on your statement rather than an address found on an older website.
How to Use the Capital One Mobile App
The Capital One mobile app provides another way to manage your REI Mastercard.
Download the official application from the Apple App Store or Google Play Store.
After installing it, sign in using your Capital One credentials.
Depending on your account, you may be able to:
- View recent transactions
- Check your account balance
- Make credit card payments
- Review statements
- Set up account notifications
- Manage automatic payments
- Monitor available credit
- Access card security features
The mobile app can be especially convenient when traveling or shopping away from home.
How REI Capital One Credit Card Rewards Work
The REI Co-op Mastercard rewards program focuses on REI shopping while also providing rewards on everyday purchases.
Earn 5% on Eligible REI Purchases
Cardholders earn 5% in REI Co-op Mastercard Rewards on qualifying purchases at REI.
Eligible purchases can include outdoor equipment, clothing, discounted merchandise, gift cards, and qualifying services.
For example, purchasing $600 in eligible camping equipment would generate approximately $30 in card rewards.
Earn 1.5% on Other Purchases
Purchases outside REI generally earn 1.5% in rewards.
For example, spending $2,000 on qualifying groceries, dining, travel, and other purchases would generate approximately $30 in rewards.
Earn Rewards on Eligible Donations
The program also offers 5% in card rewards for qualifying donations to the REI Cooperative Action Fund.
This benefit connects the rewards program with REI’s support for outdoor access and community initiatives.
How to Redeem REI Mastercard Rewards
One advantage of the REI Co-op Mastercard is that cardholders can redeem rewards as they earn them.
According to REI, eligible rewards generally become available after the associated purchase posts to the account.
This typically takes one or two business days.
Rewards can be redeemed toward qualifying purchases at REI.
For example, if you have accumulated $25 in available card rewards, you may be able to apply that amount toward an eligible REI purchase.
REI states that card rewards do not expire while the credit card account remains active.
However, redemption restrictions and account conditions apply.
It is also important to understand that REI Mastercard Rewards are separate from the annual REI Co-op Member Reward.
REI Mastercard Rewards vs. REI Co-op Member Rewards
REI members may receive rewards through more than one program.
REI Co-op Mastercard Rewards are earned through eligible purchases made using the credit card.
REI Co-op Member Rewards are associated with qualifying purchases under REI’s membership program.
REI describes a typical annual Co-op Member Reward of 10% on eligible full-price purchases, although this amount is not guaranteed and exclusions apply.
When a transaction qualifies under both programs, cardholders may benefit from the separate reward structures.
However, the two programs have different eligibility and redemption rules.
REI Capital One Credit Card Welcome Offer
REI currently advertises a $100 REI gift card for qualifying new cardholders.
To receive the promotional reward, eligible applicants must make their first purchase outside REI within 60 days of opening the account.
This is an important requirement.
A purchase made only at REI may not satisfy the promotional condition.
Existing or previous account holders may also be excluded from the offer.
Before applying, review the current promotion’s eligibility requirements and fulfillment details.
Additional REI Mastercard Benefits
The card includes several benefits beyond everyday rewards.
No Annual Fee
Capital One does not charge an annual fee for the REI Co-op Mastercard under the current advertised terms.
No Foreign Transaction Fees
The card does not charge foreign transaction fees, which can be helpful when making purchases abroad.
REI Experience Credit
Capital One’s card terms describe a $50 annual account credit for eligible REI classes and events, subject to the applicable program requirements.
The precise eligible activities and terms should be confirmed before booking.
Mastercard Benefits
Eligible cardholders may also receive benefits available through the Mastercard network.
Availability depends on the card’s current benefits guide.
REI Capital One Login Problems and Troubleshooting
Occasionally, cardholders may experience difficulty accessing their accounts.
Several common issues can often be resolved without visiting a branch.
Forgot Your Username or Password
Visit rei.capitalone.com and select Forgot Username or Password?
Follow the account-recovery instructions to verify your identity and regain access.
REI Mastercard Not Showing
If your card does not appear after signing in, Capital One provides an option to locate and link the account.
You can also contact customer service for assistance.
Website Not Loading
Try refreshing the page, clearing your browser cache, or opening the website in another supported browser.
Check your internet connection before attempting to sign in again.
Account Temporarily Locked
Repeated unsuccessful login attempts may trigger additional security checks.
Follow Capital One’s recovery instructions rather than repeatedly guessing your password.
Payment Not Showing
Check your payment confirmation and allow for applicable processing time.
If the payment remains missing, contact Capital One.
REI Capital One Credit Card Customer Service
Capital One provides customer support for REI Co-op Mastercard cardholders.
The official REI Capital One portal lists the following telephone number:
844-480-5934
You can contact customer service for assistance with account access, missing credit card information, and other account-related questions.
For additional help, visit the Capital One website.
If your card is lost or stolen, report the issue promptly through Capital One’s official account services.
How to Apply for the REI Co-op Mastercard
The card is available to eligible REI Co-op members.
If you’re not already a member, REI currently offers lifetime membership for a one-time $30 fee.
To apply:
- Visit the official REI Co-op Mastercard page.
- Review the current rewards and promotional terms.
- Sign in to your REI online account.
- Verify your Co-op membership.
- Choose the pre-approval or application option.
- Provide the requested information.
- Review the credit terms before submitting.
REI advertises a pre-approval eligibility check that does not affect your credit score.
However, submitting a full credit application may result in a hard credit inquiry.
Approval is not guaranteed.
Is the REI Capital One Credit Card Worth It?
The REI Capital One Credit Card may be worthwhile for people who frequently purchase outdoor gear and want to earn additional rewards.
Its 5% REI rewards rate is especially attractive for customers who regularly shop at the retailer.
The 1.5% rewards rate on other purchases also provides an opportunity to earn rewards on everyday spending.
However, the card’s rewards are most useful for people who plan to redeem them at REI.
If you rarely shop there, a general-purpose cash-back credit card may offer more flexibility.
Also consider the card’s purchase APR and other potential fees.
Carrying a balance can generate interest charges that outweigh the value of earned rewards.
Frequently Asked Questions
What is the official REI Capital One Credit Card login website?
The official website is https://rei.capitalone.com/.
How do I register my REI Mastercard online?
Visit the official portal, select Set Up My Account, verify your identity, and follow the instructions to create your online credentials.
How do I pay my REI Capital One Credit Card bill?
Sign in through Capital One, select your REI Mastercard account, and use the available payment option.
Does the REI Mastercard have an annual fee?
No. The card currently advertises a $0 annual fee.
How much can I earn on REI purchases?
Eligible purchases at REI earn 5% in REI Co-op Mastercard Rewards.
Do REI Mastercard rewards expire?
REI states that rewards do not expire while the credit card account remains active, subject to program conditions.
Can I manage my REI Mastercard through the Capital One app?
Yes. Eligible cardholders can use the Capital One mobile app to access account-management features.
What is the REI Mastercard customer service number?
The official account portal lists 844-480-5934.
Final Thoughts on the REI Capital One Credit Card
The REI Capital One Credit Card offers an appealing combination of outdoor shopping rewards, everyday earning opportunities, and convenient online account management.
Through rei.capitalone.com, cardholders can sign in, register their accounts, manage payments, and access important credit card information.
The card’s 5% rewards rate on eligible REI purchases, 1.5% rewards rate elsewhere, and lack of annual or foreign transaction fees may make it attractive to regular REI shoppers.
However, rewards should always be considered alongside interest rates, account terms, and your personal spending habits.
For secure account access, visit rei.capitalone.com. To explore the latest card benefits or apply, visit the official REI Co-op Mastercard page.