# REI Co-op® Mastercard®

> Earn 1.5x on all purchases. No annual fee.

Canonical page: https://cardstack.money/cards/rei-co-op-mastercard
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Capital One
- Network: Mastercard
- Annual fee: $0
- Rewards program: REI Co-op Mastercard Rewards
- Welcome offer: $100 REI gift card after your first non-REI purchase outside of REI within 60 days from account opening.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 1.5x | All other purchases | Base earn rate |

## Other benefits

- **5% at REI**: Earn 5% in REI Co-op Mastercard Rewards on eligible REI retail, REI.com, gift cards, classes, services, fees, and Cooperative Action Fund donations.
- **1.5% Everywhere Else**: Earn 1.5% in card rewards on all other eligible purchases.
- **Redeem as You Earn**: Rewards are available for redemption as they post with no waiting period.
- **Rewards Never Expire**: Card rewards do not expire for the life of the account while it remains open.
- **World Elite Mastercard Benefits**: Access to World Elite Mastercard benefits; see your Mastercard benefits guide for eligibility, limits, and exclusions.


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