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
- 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 is proud to donate to projects that enhance the outdoor places we all love to explore6
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.
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
Get every 6th ride free — up to $10.
Get $5 cash back after two movie purchases.
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
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 loungekey.com/usbank.
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