Help the Outdoors and earn a $100 REI gift card.

Giving back to the outdoors is an important feature of your REI Co-op Mastercard. Starting April 1, 2017, REI will make a donation to the National Forest Foundation every time you use your card. Footnote 1.

With your help, REI is proud to support a variety of projects that give back to the trails, campgrounds and rivers within our national forests.

Make an eligible net purchase with your new REI Co-op MasterCard within 60 days of account opening and you'll earn a $100 REI Gift Card. Footnote2.

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View Terms and Conditions34

Use your card,
grow your dividend. Footnote 5.

5% back at REI. Footnote 3.
Anything from the sale rack to the latest kayak.

1% back on everyday purchases. Footnote 4.
Lattés, entertainment and monthly bills make a difference

Plus your REI member dividend. Footnote 6.
Typically 10% on eligible purchases.

Dividend details
Your Annual Dividend will show how much you've earned with your new REI Co-op Mastercard.

No Annual Fee.

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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.

©2017 U.S. Bank.

©2017 Recreational Equipment Incorporated. All rights reserved.


1 REI will donate $0.10 per REI Co-op Mastercard purchase transaction made between 4/1/2017 and 12/31/2017 to the National Forest Foundation, up to $1 million.  Non-Purchase transactions, including cash advances, convenience checks, balance transfer, 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 2017 may be applied to 2018 contributions. REI may change the benefit or named charity in future years.  REI is solely responsible for making the donation.
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 fun 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 net non-REI purchases (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% rebates are distributed with your member dividend annually.
5 REI Co-op Mastercard rebates are offered to cardmembers 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 purchases, which exclude REI Garage items, sale and clearance items, items discounted 15% or more, 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.
6 10% member dividend is typical but not guaranteed. Your member dividend is based on eligible purchases, which exclude REI Garage items, sale and clearance items, items discounted 15% or more, 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.