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.
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:
The card is available to qualifying REI Co-op members, subject to credit approval.
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.
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:
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.
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.
Open https://rei.capitalone.com/.
On the homepage, locate the section for customers who do not have a Capital One online account.
Select Set Up My Account.
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.
Follow the instructions to establish your username and password.
Choose a strong password that you do not use on other websites.
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.
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:
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.
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.
Follow these steps:
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.
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.
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.
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:
The mobile app can be especially convenient when traveling or shopping away from home.
The REI Co-op Mastercard rewards program focuses on REI shopping while also providing rewards on everyday 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.
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.
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.
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 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 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.
The card includes several benefits beyond everyday rewards.
Capital One does not charge an annual fee for the REI Co-op Mastercard under the current advertised terms.
The card does not charge foreign transaction fees, which can be helpful when making purchases abroad.
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.
Eligible cardholders may also receive benefits available through the Mastercard network.
Availability depends on the card’s current benefits guide.
Occasionally, cardholders may experience difficulty accessing their accounts.
Several common issues can often be resolved without visiting a branch.
Visit rei.capitalone.com and select Forgot Username or Password?
Follow the account-recovery instructions to verify your identity and regain access.
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.
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.
Repeated unsuccessful login attempts may trigger additional security checks.
Follow Capital One’s recovery instructions rather than repeatedly guessing your password.
Check your payment confirmation and allow for applicable processing time.
If the payment remains missing, contact Capital One.
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.
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:
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.
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.
The official website is https://rei.capitalone.com/.
Visit the official portal, select Set Up My Account, verify your identity, and follow the instructions to create your online credentials.
Sign in through Capital One, select your REI Mastercard account, and use the available payment option.
No. The card currently advertises a $0 annual fee.
Eligible purchases at REI earn 5% in REI Co-op Mastercard Rewards.
REI states that rewards do not expire while the credit card account remains active, subject to program conditions.
Yes. Eligible cardholders can use the Capital One mobile app to access account-management features.
The official account portal lists 844-480-5934.
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.
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