If you love the outdoors and want to make every purchase count toward your next adventure, the REI Co-op® Mastercard® credit card might be the perfect addition to your wallet. Whether you’re stocking up on hiking gear, planning your next camping trip, or simply managing your day-to-day expenses, this card helps transform ordinary spending into meaningful rewards.
Advertising
Designed for members of the REI Co-op community, this credit card blends financial benefits with a purpose-driven approach that supports outdoor recreation and environmental initiatives. It’s more than just a payment tool—it’s a way to invest in your lifestyle, strengthen your connection with nature, and contribute to a more sustainable planet for future generations.
How the REI Co-op® Mastercard® works
Issued by Capital One, the REI Co-op® Mastercard® allows you to earn rewards on every purchase, both inside and outside REI stores. For each dollar spent at REI, you earn 5% back in REI Co-op Mastercard Rewards.
Purchases made elsewhere earn 1.5% back, giving you steady returns on your everyday spending. The rewards you accumulate can be redeemed for outdoor gear, travel items, or experiences that fuel your next expedition. The best part? Your rewards never expire as long as your account stays active.
Membership matters
To qualify for the REI Co-op® Mastercard®, you must be a member of the REI Co-op. Membership is a one-time $30 fee that gives you lifetime access to exclusive discounts, annual dividends, and early access to sales.
Members also receive special invitations to REI events, classes, and trips. When you use your REI Co-op® Mastercard®, you’re not only earning rewards—you’re contributing to the community of outdoor lovers that keeps REI’s mission alive.
Key benefits and features
This card goes beyond rewards. It’s a tool for responsible spending that supports environmental stewardship. REI donates a portion of every purchase made with the card to nonprofits working to protect natural spaces.
Cardholders also enjoy no annual fee, no foreign transaction fees, and access to Capital One’s security tools, including instant purchase notifications and virtual card numbers for online shopping. The REI Co-op® Mastercard® also comes with contactless payment features, travel accident insurance, and extended warranty protection—making it ideal for both urban and outdoor lifestyles.
Redeeming rewards and planning adventures
The rewards system is simple and flexible. Your REI Co-op Mastercard Rewards are automatically added to your REI account and can be used toward purchases in-store or online. Many users save their rewards to offset the cost of high-ticket items, such as backpacks, tents, or bicycles.
Others use them spontaneously for smaller essentials like hiking socks, water bottles, or camping tools. Either way, your spending turns into a resource for future adventures, creating a cycle of purpose-driven consumption.
Should you get the REI Co-op® Mastercard®?
If you frequently shop at REI or prioritize sustainable and adventurous living, this card offers exceptional long-term value. It’s especially beneficial for those who want a no-annual-fee rewards card that aligns with their environmental values. The ability to earn while supporting outdoor causes makes it unique among store-affiliated cards.
However, if you rarely buy gear or travel outdoors, a general cashback card might suit your lifestyle better. For loyal REI members, though, this Mastercard transforms routine spending into a force for good—fueling not only your next adventure but also the preservation of the world you explore.
