Cardflare

REI Co-op Mastercard

Capital One

Key facts

  • Annual fee$0
  • RewardsCash back
  • Everything else earns1.5% back
  • Minimum credit scoreNot stated

The issuer states no minimum credit score for this card.

Earn rates

One flat rate: 1.5% back on purchases. The catalog records no bonus categories for this card.

At specific merchants

  • 5% back at REI (REI retail locations and REI.com; double card rewards (10% total) during the yearly member event)

Signup bonus

The catalog records no public signup bonus for this card.

Credits and benefits

The credits the catalog models as fee offsets. Not a complete list of every perk.

  • $100 a year at REI — One-time $100 REI gift card after the first purchase outside of REI within 60 days of account opening; not available to existing or previous REI Co-op Mastercard cardmembers

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with Capital One; the card name is its owner's trademark.

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