Cardmember Benefits

The card that co-op members [and bucket lists] love

The more you use your card, the more you grow your REI Annual Dividend1. Love REI? Your card lets you earn rewards 2 such as 5% back at REI, including sale items. Plus get 2% back on purchases made with your card in a mobile wallet, and 1% everywhere else. And all that’s on top of your typical 10% member dividend1.

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

  • 5% back on purchases at REI2
  • 2% back on mobile wallet purchases
  • 1% back everywhere else

  • No Annual 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 dividend1

Other Benefits

  • No annual fee*
  • No foreign transaction fees*
  • Extra Savings on Adventure Travel4
     See FAQs for more details about Adventure Travel
  • When you make a purchase with your card, REI is proud to donate to projects that enhance the outdoor places we all love to explore5

World Elite Mastercard Benefits

For Peace of Mind

Extended Warranty6

Doubles the manufacturer’s warranty (up to two years) on eligible card purchases.

Price Protection6

Reimbursement if an eligible card purchase experiences a price drop within 120 days of purchase.


Representatives assist you with gift buying and delivery, event tickets and other personal services.

Trip Cancellation Insurance6

Reimbursement for your non-refundable payments to a common carrier if a covered trip is canceled due to a covered loss.

ID Theft Resolution Services6

Reimbursement for covered expenses incurred as a result of the theft or unauthorized use of card member’s identity.

Cellphone protection8

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 Ease of Travel


Receive a 10% discount on luxury home rentals worldwide.

LoungeKey Airport Lounge Membership10

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

Travel & Lifestyle Services11

Professional travel service advisors ready to you help you 24/7.

For Everyday Value


Get every 6th ride free -- up to $10.


Buy everyday items in bulk and get 5% back on all purchases.


Get $5 cash back after two movie purchases.

ShopRunner Complimentary Membership15

Order from over 140 online stores and receive unlimited free two-day shipping and return shipping on purchases.

Security & Convenience Benefits

Zero Fraud Liability16

You won't be held responsible for unauthorized charges made with your account or account information.

Mastercard ID Theft Protection™6

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 Score17

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