Cardmember Benefits

The card that co-op members [and trees] love

The more you use your card, the more you grow your REI Annual Dividend.1 Love REI? Your card lets you earn rewards2 such as 5% back at REI, including sale items. Plus get 2% back on purchases you make with your card in a mobile wallet, and 1% everywhere else. And all that’s on top of your typical 10% member dividend.1

Plus, new cardmembers can earn a $100 REI gift card if they make a purchase within 60 days of card approval.3

Earn rewards2 you can turn into new gear.

  • 5%
    back on purchases at REI
  • 2%
    back on mobile wallet purchases
  • 1%
    back everywhere else

You'll also enjoy:

  • No Annual Fee*
  • No Foreign Transaction Fee*

Exclusive REI Benefits


  • 5% back on purchases at REI
  • 2% back on mobile wallet purchases
    Learn more about mobile wallets
  • 1% back everywhere else
  • All of this on top of your member dividend4

Other Benefits

  • No annual fee*
  • No foreign transaction fees*
  • Extra Savings on Adventure Travel5
     See FAQs for more details about REI adventure travel
  • When you make a purchase with your card, REI proudly donates to nonprofit partners that work to advance equitable access to a healthy outdoors6

World Elite Mastercard Benefits

For Peace of Mind

  • Extended Warranty7
    Doubles the manufacturer’s warranty (up to two years) on eligible card purchases.
  • Trip Cancellation Insurance7
    Reimbursement for your non-refundable payments to a common carrier if a covered trip is canceled due to a covered loss.
  • Price Protection7
    Reimbursement if an eligible card purchase experiences a price drop within 120 days of purchase.
  • ID Theft Resolution Services7
    Reimbursement for covered expenses incurred as a result of the theft or unauthorized use of card member’s identity.
  • Concierge8
    Representatives assist you with gift buying and delivery, event tickets and other personal services.
  • Cellphone protection9
    You can be reimbursed for damage or theft of an eligible cellphone when you pay your monthly cellphone bill with your card. Learn more about cellphone protection..

For Everyday Value

  • Lyft10
    Get every 6th ride free — up to $10.
  • Fandango11
    Get $5 cash back after two movie purchases.
  • Boxed12
    Buy everyday items in bulk and get 5% back on all purchases.
  • ShopRunner Complimentary Membership13
    Order from over 140 online stores and receive unlimited, free two-day shipping and return shipping on purchases.

For Ease of Travel

  • Onefinestay14
    Receive a 10% discount on luxury home rentals worldwide.
  • Travel & Lifestyle Services15
    Professional travel service advisors ready to you help you 24/7.
  • LoungeKey Airport Lounge Membership16
    Membership to 1100+ Lounge Key lounges in 120+ countries and in over 400 airports regardless of airline, frequent flyer membership or class of ticket. Show your REI Co-op World Elite Mastercard and obtain a complimentary LoungeKey Membership with “pay as you go” lounge visits at only $32 per visit, per person. Learn more at

Security & Convenience Benefits

  • Zero Fraud Liability17
    You won't be held responsible for unauthorized charges made with your account or account information.
  • Mastercard ID Theft Protection™7
    Mastercard has partnered with CSID, an industry leader in identity protection and fraud detection, to help keep your information safe and to help detect and resolve identity theft.
  • Chip Technology
    EMV chips provide advanced security and fraud protection with global acceptance.
  • Free Credit Score18
    Cardmembers enrolled in online banking can obtain their credit score, at no charge, from TransUnion.
  • Free Spend Analysis
    Cardmembers enrolled in online banking can download a year-to-date spend analysis summary for the current year, or an annual account summary for the two previous years.
  • 24/7 Account Access with online banking
  • 24/7 Cardmember Service