The Ultimate Guide to REI Mastercard Bill Pay: Easy Ways to Manage Your Outdoor Rewards

Are you an outdoor enthusiast with an REI Co-op Mastercard? Maybe you’ve been wondering about the easiest ways to pay your REI credit card bill each month. Well I’ve been there too! As a fellow outdoor lover and REI member I wanna share everything I know about managing your REI Mastercard payments so you can focus more on your adventures and less on paperwork.

What Makes the REI Co-op Mastercard Special?

Before diving into payment methods, let’s quickly reminder ourselves why this card is awesome for outdoor lovers like us. The REI Co-op Mastercard is issued by Capital One and offers some pretty sweet rewards:

• Earn 5% back on all REI purchases
• Get 1.5% rewards on all other purchases
• No annual fee
• No foreign transaction fees when traveling
• $100 REI gift card after your first purchase outside of REI within 60 days
• Card made from 85% recycled materials (Mother Nature approves!)

I’ve been using mine for almost everything – from my morning coffee to camping gear – and those rewards add up quick!

How to Pay Your REI Mastercard Bill: All Your Options

Let’s face it – nobody enjoys paying bills But at least with your REI card, there’s several easy ways to get it done Here’s how you can pay your REI Co-op Mastercard bill

1. Online Payment through Capital One

The simplest and most popular method is paying online through your Capital One account. Since the REI Mastercard is issued by Capital One that’s where you’ll manage your account.

To pay online:

1. Visit https://rei.capitalone.com/
2. Sign in with your username and password
3. If you don’t have an account yet, click “Set Up My Account”
4. Once logged in, navigate to the payments section
5. Select payment amount and date
6. Enter your bank account info
7. Submit your payment

Pro tip: You can set up automatic payments to never miss a due date! This has saved my butt multiple times when I’m out backpacking and forget what day it is.

2. Capital One Mobile App

If you’re always on your phone like me, the Capital One mobile app is super convenient for managing your REI Mastercard.

To pay via the app:

1. Download the Capital One app from your app store
2. Log in with your credentials
3. Find your REI Co-op Mastercard in your accounts
4. Tap on “Make a Payment”
5. Enter payment details
6. Confirm and submit

The app lets you check balances, view transactions, and pay your bill anytime, anywhere – even from a campsite (if you have service)!

3. Pay by Phone

Not tech savvy or just prefer talking to a real person? No worries!

Call Capital One’s customer service at 844-480-5934 to make a payment over the phone. You’ll need your account info and bank routing/account numbers handy.

4. Pay by Mail

If you’re old school (respect!), you can still mail a check:

1. Write your check payable to “Capital One”
2. Include your REI Mastercard account number
3. Mail to the address on your statement

Just remember to allow 5-7 business days for processing! I’ve been caught by surprise before when mailing a payment too close to the due date.

Setting Up Autopay: Never Miss a Due Date Again

I highly recommend setting up autopay for your REI Mastercard. It’s been a lifesaver for me, especially during busy hiking seasons when bill paying is the last thing on my mind.

To set up autopay:

1. Sign in to your account at https://rei.capitalone.com/
2. Navigate to the payments section
3. Look for “Set Up Automatic Payments”
4. Choose either minimum payment, statement balance, or custom amount
5. Select payment date
6. Enter your bank info
7. Confirm and save

You can choose to pay the minimum, full balance, or a fixed amount each month. I personally prefer paying the full balance to avoid interest charges.

Understanding Your REI Mastercard Bill

Your monthly statement contains important info worth understanding:

• Statement Balance: Total amount owed at statement closing date
• Minimum Payment: The least amount you must pay by due date
• Due Date: When your payment must be received
• REI Rewards Summary: Shows rewards earned and available
• APR: Your interest rate (currently may be 18.24%, 25.24%, or 29.24% variable depending on creditworthiness)

One thing I love is how the statement clearly shows my REI rewards – it’s exciting to watch them grow with each purchase!

Managing Your REI Rewards

One unique aspect of the REI Co-op Mastercard is how quickly you can access your rewards. Unlike some cards where you wait months, REI rewards are typically available 1-2 business days after purchases post.

To check and redeem your rewards:

1. Log in to your REI.com account
2. Go to “My Bonuses & Rewards”
3. View available rewards
4. Redeem them during checkout at REI

Remember, your REI Mastercard rewards never expire as long as your account stays active! I’ve saved mine up for big purchases like that ultralight tent I’d been eyeing for months.

Troubleshooting REI Mastercard Bill Pay Issues

Sometimes things don’t go as planned. Here are solutions to common issues:

Problem: Can’t See Your REI Card After Logging In

If you’ve logged into Capital One but don’t see your REI Mastercard, visit the troubleshooting page mentioned on rei.capitalone.com or call 844-480-5934 for assistance.

Problem: Payment Not Processing

If your payment seems stuck:

• Double-check your bank account info
• Ensure sufficient funds are available
• Verify you’re using the correct account number
• Contact customer service if problems persist

Problem: Forgot Username/Password

Click “Forgot Username or Password?” on the login page at https://rei.capitalone.com/ and follow the recovery steps.

Maximizing Your REI Mastercard Benefits While Managing Payments

While managing your bill payments, don’t forget to take full advantage of your card benefits:

Double Rewards During Annual Events

REI typically has annual events where cardholders earn double rewards on REI purchases. Plan big purchases during these periods!

$50 Credit for REI Classes

You’ll get a $50 credit when using your card for REI classes (once per calendar year). I used mine for a navigation workshop last year – totally worth it!

Preferred Name Feature

Capital One allows you to display your preferred name on the card – a nice inclusive touch from REI and Capital One.

Smart Tips for REI Mastercard Users

Here’s some advice I’ve learned from using my REI card:

1. Pay in full each month – The APR is high (like most retail cards), so avoid interest by paying your full balance.

2. Time large REI purchases strategically – Make big REI purchases during their member sales or when they offer double rewards.

3. Use the card for everyday spending – That 1.5% on non-REI purchases adds up fast when you use it for groceries, gas, etc.

4. Check your statement carefully – Mistakes happen, so review all charges monthly.

5. Keep track of reward expiration – While rewards don’t expire while your account is active, closing your account means losing unused rewards.

Is the REI Mastercard Right for You?

The REI Co-op Mastercard is ideal if:

• You shop frequently at REI
• You’re an active REI co-op member
• You want rewards that directly support your outdoor hobbies
• You prefer no annual fee

However, if you rarely shop at REI, there might be better cash-back cards available. But for outdoor enthusiasts, the rewards structure is pretty sweet!

Final Thoughts on Managing Your REI Mastercard

As an avid user of the REI Co-op Mastercard, I’ve found that setting up online payments through Capital One is by far the easiest way to manage the bill. Autopay has saved me from late fees more than once, especially during summer when I’m constantly out hiking!

Remember that your REI Mastercard is ultimately a Capital One product, so all account management happens through Capital One’s platforms, not REI directly. This sometimes confuses new cardholders who try to manage their card through REI.com.

The good news is that Capital One’s bill pay system is really user-friendly, and customer service has been helpful whenever I’ve needed assistance. And those rewards! Being able to redeem them so quickly at REI for new gear makes the whole experience worth it.

So go ahead, set up that online payment, then get back to planning your next adventure! Your REI Mastercard rewards will be waiting to help fund your outdoor passion.

Have you found other helpful tips for managing your REI Mastercard? I’d love to hear about your experiences in the comments below!

Quick REI Mastercard Bill Pay Reference Guide

Happy trails and easy payments!