Cardmember Benefits

Help the outdoors with everyday purchases

The REI Co-op Mastercard® earns you a bigger dividend1 with everyday purchases at REI and everywhere else. Plus, there’s no annual fee (View terms and conditions).

No annual fee - view terms and conditions

Exclusive REI Benefits.

  • $100 REI Gift Card upon approval and after first purchase. Footnote 2.
  • 5% back on everything at REI—even sale items. Footnote 3.
  • 1% back on everyday purchases. Footnote 4.
  • REI will make a donation to the National Forest Foundation every time you make a purchase with your card. Footnote 5.
  • All of this on top of your member dividend. Footnote 6.

World Mastercard Benefits.

  • Trip Cancellation Service. Footnote 7.
  • Travel Assistance Services. Footnote 7.
  • MasterRental® Car Rental Collision Damage Waiver Insurance.
  • Lost Luggage Coverage. Footnote 7.
  • Emergency Card Replacement and Cash Advance. Footnote 8.
  • Lost/Stolen Card Reporting. Footnote 8.
  • Price Protection. Footnote 7.
  • Extended Warranty. Footnote 7.

Security Benefits.

  • Zero Fraud Liability. Footnote 9.
  • Identity Theft Resolution. Footnote 8.
  • Chip Technology.

Additional Benefits.

  • 24/7 Account Access with Online Banking.
  • 24/7 Cardmember Service.

Help the outdoors and earn an REI gift card. Apply for the REI Co-op Mastercard!

Apply Now

There are two REI cards: the REI Co-op World Mastercard and the REI Co-op Platinum Mastercard. You will first be considered for the REI Co-op World Mastercard.  If you do not qualify for the REI Co-op World Mastercard, you will be considered for the REI Co-op Platinum Mastercard which may not offer the same Mastercard World benefits.

It takes just a few minutes. Or call 1-877-734-9737 to apply by phone.


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We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information.

The creditor and issuer of the REI Co-op Mastercard is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated.

©2018 U.S. Bank.

©2018 Recreational Equipment Incorporated. All rights reserved.

 * The APR may vary and as of 06/15/2018 the variable APR for Purchases and Balance Transfers is 12.74% - 24.74%, based on your creditworthiness. The variable APR for Cash Advances is 25.74%. Cash Advance fee: 4% of each advance amount, $5 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 4% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% for each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency.


1 REI Co-op Mastercard rewards are offered to cardholders in accordance with the card's terms, but are mentioned as parts of a dividend because they are paid at the same time as your normal member dividend. Your member dividend is based on eligible net purchases, which exclude REI Garage items, sale, clearance items, discounted items, gift cards, REI Adventures trips, REI Outdoor School classes and outings, service fees (ex. rentals, labor), membership fee, postage, event tickets, passes or registrations, government agencies and sales tax.
2 REI Gift Card Information: To receive this one-time REI gift card, you must apply for an REI Co-op Mastercard and, if approved, make a purchase with your new REI Co-op Mastercard within 60 days of account opening. Purchase requirement is met by purchases only; advances, convenience checks, balance transfers, interest charges, fees, credit insurance charges, or transactions to fund certain prepaid card products are not eligible. Six to eight weeks after purchase, the REI gift card will be sent to the primary applicant’s address.  The offer is subject to credit card approval and your new REI Co-op Mastercard Account must be open and in good standing at the time of fulfillment to receive the REI gift card.  This gift card offer is available only to new REI Co-op Mastercard Accounts booked through this special offer.  Existing and previous REI Co-op Mastercard cardmembers are not eligible for this offer.
3 5% back applies to REI net purchases (purchases minus credits and returns) including full-price and discount-price items, REI gift cards, services, fees, and REI Adventures–invoiced trip payments.
4 1% back applies to non-REI eligible net purchases (net purchases are purchases minus credits and returns) only. Non-Purchase transactions, including cash advances, convenience checks, balance transfers, and other advance transactions as defined in the Cardmember Agreement, as well as interest charges and fees, do not qualify.

The 5% and 1% rewards are distributed with your member dividend annually.
5 This year, REI will donate $0.10 per REI Co-op Mastercard purchase transaction made to the National Forest Foundation, up to $1million. Non-Purchase transactions, including cash advances, convenience checks, balance transfers, and other advance transactions as defined in the Cardmember Agreement, as well as interest charges and fees, do not qualify. Transactions posted in late December of the current year may be applied in the following year. REI may change the benefit or named charity in future years. REI is solely responsible for making the donation.
6 10% member dividend is typical but not guaranteed. Your member dividend is based on eligible net purchases, which exclude REI Garage items, sale, clearance items, discounted items, gift cards, REI Adventures trips, REI Outdoor School classes and outings, service fees (ex. rentals, labor), membership fee, postage, event tickets, passes or registrations, government agencies and sales tax.
7 Certain terms, conditions, and exclusions apply. These Mastercard benefits are underwritten by Virginia Surety Company, Inc. Contact your issuing financial institution for complete coverage terms and conditions or call 1-800-MC-ASSIST (1-800-622-7747) for assistance.
8 Certain terms, conditions, and exclusions apply. These Mastercard benefits are underwritten by New Hampshire Insurance Company, an AIG Company. Contact your issuing financial institution for complete coverage terms and conditions or call 1-800-Mastercard (1-800-627-8372) for assistance.
9 U.S. Bank provides Zero Fraud Liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.